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

It is the duty of Equifax, according to the fair credit reporting act, to be reporting true and accurate information on my credit file. however they are not, Equifax is reporting 3 inquiries that I Did Not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reference : 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
This law states " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ''. 
I disputed these inquiries on myequifax.com and I have filed and sent Equifax an FTC report that they received XX/XX/XXXX in regards to the inquiries and noted that the inquires were unauthorized. I have uploaded the FTC report to this complaint. I called Equifax 3 times over the course of 1 week ( I called and spoke with agents on XXXX XXXX XXXX ). The first two agents were foreign and I needed them to repeat what they said many times because I could not clearly understand their English. They ultimately said they could not see my FTC report and were unable to speak with the department in charge of reviewing this document and " neither could I ''. That I must wait to hear from them. Finally the third agent was able to see my FTC report and submitted a dispute that came back same day with results that claim the inquiries are valid! I demand to know how these unauthorized inquiries are valid when I, the consumer, did not authorize them. 
These unauthorized inquiries on my credit report are damaging my score and my reputation.
Product: Debt collection

I found accounts in my credit report that I didn't originate or applied for, these account are fraudulent and need to be removed from my credit report immediately. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, statement are not quialify proof, you must remove the accounts listed below : CAPITAL ONE BANK Account Number : XXXX ; XXXX Account Number : XXXX also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you. 


Remove this account from my credit, do not contact me by phone only contact me by mail or through CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report 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 {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over XXXX XXXX XXXX, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my XXXX XXXX tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Report # XXXX Please remove false information from my credit file.
Product: Credit card

To Whom It May Concern, This letter serves as a formal response to your unlawful rejection of a valid negotiable instrument tendered as payment for the alleged account referenced above. Your refusal to accept the instrument, in clear violation of federal law, Uniform Commercial Code ( UCC ) provisions, and case law, constitutes fraud and is actionable under multiple statutes. 

1. Violations of Federal Law and Legal Precedents Your rejection of a valid negotiable instrument is a direct violation of the following : Public Resolution 10 ( H.J.R. 192, XXXX  ) : Suspended the obligation to pay debts specifically in gold and allowed for the discharge of debts using valid negotiable instruments.

31 U.S.C. 5118 ( b ) : Prohibits creditors from refusing valid legal tender, including negotiable instruments such as promissory notes.

UCC 3-603 : Clearly states that when a negotiable instrument is tendered as payment and refused without valid grounds, the underlying obligation is discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Affirms the enforceability of negotiable instruments under federal law and prohibits arbitrary rejection of such instruments by entities. 

Your rejection of the negotiable instrument I provided as payment for this account not only violates these statutes but also constitutes a breach of contract and fraud. 

2. Proof of Equal Consideration and GAAP Compliance Required If you assert that I owe any balance, you are required to provide the following under Generally Accepted Accounting Principles ( GAAP ) : Proof of Equal Consideration : Demonstrate that you extended any actual funds or lawful consideration in exchange for the alleged obligation. 

Evidence of Lending : Provide detailed accounting records showing that you lent actual money and incurred a financial loss. 

Monetization of Promissory Note : Confirm whether the promissory note I provided was monetized, securitized, or otherwise used to generate funds, thereby satisfying the alleged obligation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$250.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to the incorrect items on my credit report, it has been over 30 days and I have not received any investigation results.
Product: Checking or savings account

On XX/XX/year>, I received XXXX XXXX payments to my Wells Fargo checking account ( ending in XXXX ) from senders using Bank XXXX XXXX : {$600.00} from XXXX XXXX ( CONF # XXXX ) {$200.00} from XXXX XXXX ( CONF # XXXX ) Both payments were marked " Completed '' and the funds were available in my account. I made transactions based on this available balance. 

Later, both amounts were reversed without notice, and my account was left overdrawn by - {$710.00}. When I contacted Wells Fargo, they said the issue was with XXXX XXXX XXXX. When I contacted XXXX XXXXXXXX XXXX, they confirmed that the XXXX transactions were completed successfully and denied any issue. 

Now I have no access to the funds, a negative balance, overdraft fees, and neither bank takes responsibility. This situation has caused me direct financial harm and emotional stress, and I am receiving no explanation or resolution from either institution.
Product: Credit card or prepaid card

my complain is against Synchrony Bank the financial service for Sam 's Club, this bank is on discriminatory behavior against minority, because they used old credit scored and fake to lower the credit line and increased like they did to me and my husband and another people I no, and they run the credit report with out the people knowledge, like they did to me on XX/XX/2023 and used a old credit scored to lower my credit limit the old scored was XXXX on transunion and the new and current is XXXX because my credit is freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost XXXX year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been XXXX year. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

Last Friday my wife and Ii called XXXX  XXXX XXXX credit card division in order to pay and old accounted my wife 's. We were told by the mortgage company we are currently going ough to refinance our home that it needed to be paid and reported to the credit bureau in order to do a rapid restore of her credit. We call XXXX  XXXX XXXX, and they told us we needed to call NCB. Management because they were handling the debt. I asked why couldn't they just call and let them know its being paid. They so no we had to call them. We called NCB they told us it had to be a cash payment through XXXX XXXX we ran out to XXXX XXXX and pulled money out of the ATM to make the cash payment. Monday NCB got payment and sent us a letter that we had a XXXX balance. Today I called XXXX XXXX XXXX to give verbal authorization to allow the credit bureaus to verify the XXXX balance. XXXX  XXXX XXXX said they did have the payment, and it would take them 14 days to get it. NCB said they had already sent it to XXXX XXXX XXXX. Called NCB back and they varied it had been sent. I said it seems punitive to make the customer wait all those days, but the account is paid of. They to me they should have it updated already. The regular wait time is 30 days while the investigate. There was no investigation because it was paid in full. Why make the customer wait another 30 days while you sill put a negative entry in there c edit reports again, but you already have their money. This seems vey good XXXX and a violaltion of the Fair Credit reporting act.
Product: Credit reporting or other personal consumer reports

You are reporting an account that is not mine on my credit report. I sent a dispute letter and affidavit to the credit bureaus and the creditor on XX/XX/year> which was over XXXX months ago. XXXX was the only credit reporting agency to remove XXXX XXXX  XXXX. Please be advised that this matter is being handled by a firm, and my lawyer is currently reviewing the situation to ensure that all appropriate legal actions are taken. I kindly request that you update your records to reflect the accurate status of this account and cease reporting it under my name. Please see the attached dispute letter, which is dated, and time stamped and remove this account pursuant 15 usc 1681a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XX/XX/XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX  cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX XXXX from XXXX, Cancelling Debt. The issue of a XXXX to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX XXXX to me and provided the same to the IRS. After XXXX issued the XXXX XXXX, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Product: Mortgage

The issue centers around the process and technical issues with providing the requested mortgage insurance information and the lack of response and system failures ( human and technical ) surrounding the document submission process. 

XX/XX/XXXX - after numerous submissions of the requested proof-of-insurance documents for the structure ( HOA-managed ), the system responded that the documentation was not accepted. I called and asked about what was going on. The agent gave me an email address to send the document as an attachment, which I did. She also said she would be escalating the issue. The automated system again sent an email ( a couple of days later ) that the documentation was not accepted. 
XX/XX/XXXX - Called back to inquire about the situation ( the total call was 2.5 hours ), the agent, after checking with someone, said it was a file limit issue. The site has no built-in file-limit scripting nor even a statement as to file limits. She advised me to only submit the first 10 pages ( which seems very arbitrary ). The file/document is one I've sent previously ( annually ) without issue. 
Further, I was asked to research out and find various phone numbers that might be individuals with the insurance company who holds the Homeowner 's Association policy for the structure. The customer service was horrible and I was doing the majority of the " heavy lifting '' and legwork. The agent in the mortgage department who I ended the call and with whom I filed a second complaint about the service provided by M & T bank was flippant and laughed at the situation. My home and it's security ( financial ) is not a laughing matter. I was made to feel ( by agent 's repeated mentioning ) that the call was taking too long - yes, admittedly it was a long call, but it was necessary to try and get resolution after my call a week previous resulted in nothing ( and I received no personal ( human ) follow up after being told it was escalated- thus prompting me reaching out again a week later )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I wrote to complain about Webster Bank regarding an issue Am having with SBA, which CFPB were so helpful by contacting Webster bank. I want to bring to your notice that, the Bank has still not fixed the problem by returning the loan amount of {$60000.00} Covid relief loan that SBA granted me but was seized by the bank in 2020. As we speak the money is still with the bank whiles I am servicing the loan every month. All attempts for the bank to refund the money to SBA has failed. I have placed several calls to Webster Bank to help resolve this issue, at a point I was told to even make payment before my file can be pulled. SBA is also saying until they receive the money from the bank, there is nothing they can do. I see unfairness on my part as to why I should be paying for a loan that I have not received. After my complaint to CFPB, I got a letter from the bank stating that, they thought its was fraud thats why the money was seized and that they were going to deal with SBA and refund the money but as at now they are still holding the money whiles I make payments to SBA every month because they are constantly making demands and am also protecting my credibility. Pls help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon federal credit union ( PENFED ) Fraudulently processed a personal loan application that was never applied for by me. I called them in regards to the rejection letter they sent me. The rejection letter has information that is wrong and is correlated to a loan that was never actually applied for, by me. They could not verify who applied for the loan, the source that the loan application was actually originated from, and said that they had deleted the information pertaining to my fraudulently opened loan request ... .thus hiding their wrong doing. The letter was issued at the end of XXXX and received the end of the first week of XXXX.