23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against Equifax for their failure to properly verify and resolve a credit dispute involving my XXXX XXXX  credit card account. It has been over 30 days since I disputed this account, yet Equifax has failed to comply with legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that disputes must be resolved within 30 days. 

When I disputed the account, I specifically asked Equifax to verify the accuracy of the information reported, in accordance with the FCRA, which requires credit reporting agencies to conduct a thorough investigation. Instead of conducting an independent investigation, Equifax relied solely on information from XXXX XXXX, which is not legally sufficient as XXXX XXXX is the entity reporting the disputed information. This failure to verify the account is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ), which requires that upon receipt of a dispute, a consumer reporting agency must investigate the disputed information.

Additionally, under 15 U.S.C. 1681b, I am entitled to the fair and accurate reporting of my credit information, which Equifax has not provided. The continued presence of the inaccurate information on my credit report has caused significant harm to my familys livelihood, as we have been unable to secure housing due to the negative marks on my credit. This has become a financial and emotional burden, impacting not only my familys ability to find a home but also causing ongoing distress and hardship.
Product: Debt collection

Never notified me or gave me chance to resolve reported first in 2009 but now just reported it like it just occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) XXXX XXXX XXXX 2 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts 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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Mortgage

Re : Claim for Reimbursement of Penalty Paid by Purchaser/Mortgagor Due to Wells Fargo Appraisal Process Date Mortgage Loan Approved subject to Appraisal : XX/XX/2022 Original Closing Date : XX/XX/2022 Revised Closing Date : XX/XX/2022 Wells Fargo Appraisal Timeline : Date and Amount of XXXX XXXX by XXXX : XX/XX/2022 ; {$400000.00} XXXX XXXX Deficiency Acknowledged by Wells Fargo : XX/XX/2022 ; XXXXXXXX XXXX asked to Review and Update Appraisal Date and amount of XXXX  XXXX by XXXX : XX/XX/2022 : {$400000.00} XXXX XXXX XXXX XXXX XXXX  Retained ( XXXX XXXX ) : XXXX XXXX Date Received and Amount of XXXX XXXX XXXX XX/XX/2022 ; {$430000.00} Date XXXX  XXXX Approved by Wells Fargo : XX/XX/2022 ; not in sufficient time for closing. 
Final Closing Date : XX/XX/2022 Penalty Incurred by Purchaser/Mortgagor and Paid to Seller : {$1200.00} at a rate of {$400.00} a day for each day past the closing date. 
The delay was caused by Wells Fargo due to the materially deficient first and second appraisals and the delay in finalizing the third and final appraisal. 

We have requested reimbursement of the delay penalty from Wells Fargo and sent XXXX additional letters to follow up on the Wells Fargo responses by various Senior Escalation officers- each one taking a slightly different tack to decline responsibility for the delay and subsequent penalty. Wells Fargo was aware of the provisions in the purchase agreement and the potential monetary penalty for a delayed closing.
Product: Prepaid card

I tried to find balance on card through their website XXXX It gave an error and told me to call them. 
I called them and they wanted me to fax or paper mail them my govt id and gift card to be able to use the card. 
There is no such requirement on the card. They are doing it on purpose so that most people would give up and leave the balance. 
This is theft plain and simple.
Product: Credit card or prepaid card

I am filing this complaint against Direct Express. I called 2.5 weeks ago for all the information involving a investigation fraud use, unauthorized use of my debit card. I still have not received that information. I waited on the phone for 1 hour today finally i hung up had other things to complete today. I have waited and waisted important time for hours at a time. This is uncalled for. I called today to find out where all the documents requested 2.5 weeks ago were and if they had even sent them, like i stated i got tired of waiting. had important things in my life then to spend on the phone for nothing. They are irresponsible, can not believe they are in charge of everyones ssi and ssa moneys. Poor management.
Product: Checking or savings account

On XXXX XXXX XXXX my account was charged {$930.00}. Since then I have requested from Truist Bank, and the company that charged the {$930.00}. The company, XXXX XXXX has returned the amount but my debit card was canceled prior to the money arriving. Truist Claims refused to take care of this.
Product: Student loan

I enrolled in college XX/XX/XXXX & had to take out a loan. I took a break from school due to personal financial reasons. I was contacted by my loan officer & told her what was going on. I told her that I would be going back to school in the following XXXX. She said okay and proceeded to defer my student loan. I started back in school XX/XX/XXXX. Recently I checked my credit & XXXX of the student loans have been added onto my credit due to delinquency even though I have been back in school for months now.
Product: Money transfer, virtual currency, or money service

XXXX was transferred into a SunTrust Account in XXXX XXXX, XXXX. on XX/XX/XXXX. When we realized this wire transfer had been fraudulant we immediately contacted the Sun Trust Fraud Department. They in turn put a fraud alert on the account. A recall was put in for the transfer and at XXXX on the XXXX XXXX XXXX the assistant mamager at that branch assured us all the money was still in account XXXX and a freeze had been put on the account. Someone later that morning allowed someone to walk in and withdraw {$4.00}, XXXX. SunTrust is refusing to refund this amount to us and will not turn over subpoenaed security tapes of the withdrawal to the XXXX XXXX police department citing client privacy rights. After meeting with XXXX XXXX, branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX she confirmed proper protocol was not followed in checking ID and confirming business of XXXX XXXX XXXX with XXXX. She agreed they owed us this money. When we were contacted by XXXX XXXX from the Sun Trust Fraud Department. He said we should be happy to get anything back and to get a lawyer. We feel due diligence was not done when an account was opened a wire money of XXXX, XXXX was put in a withdrawal made and in less than 24 hours the account was closed. Something was not right here at Sun Trust and we are out the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called AXCESS/CNGO. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.
Product: Debt collection

THIS IS RIDICULOUS. I HAVE ALREADY SENT A LAWFUL NOTICE TO THESE PEOPLE AND NOW I HAVE SENT ANOTHER XXXX ABOUT READY TO TAKE LEGAL ACTION ON THAT COMPANY. THEY ARE STILL CONTACTING ME AND STILL REPORTING ON MY CREDIT
Product: Debt collection

I have been receiving numerous calls from the company daily. They call from various numbers which I have asked them to stop calling. The calls are daily. I spoke to a female and she told me the calls wont stop, going as far to say I wil have some legal Issues if it isnt paid.
Product: Credit reporting or other personal consumer reports

This company XXXX, its not the original creditor according to an email That I received from another company ( XXXX XXXX. XXXX ) which ask me to contact them for the same ACCOUNT Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, you are answering only the first part of my argument. The second part remains unanswered. Moreover, why does the original creditor share all my information with almost three companies for now? Thus, as you said in your report this account is accurate. Please could you be so kind as to provide me with those answers? Such as : 1 ) Who you are talking to? 2 ) What time did you talk to them?

3 ) What was the name? 4 ) What department do they are working in?

5 ) What did they say? 6 ) Did they show you proof?

7 ) How did they validate the accuracy of this account?

This account is reporting the same inaccuracy according to the XXXX report on XX/XX/2023 : And I do not recognize this account.
Product: Credit card

My middle name was added to my credit card with Chase some time ago. I did not request this. Chase does not know why it was added. My first, middle, and last name combined exceed the maximum that will fit on a card, and my last name is getting cut off and this is causing me problems. Chase refuses to correct this problem unless I legally change my name, despite the fact that I hold three other credit cards and a checking account with them which do not include my middle name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. This has caused me tremendous XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until JXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXXXXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX, TX XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$760.00} Status Account charged off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Open. 

XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Product: Credit reporting

There are addresses on my credit report that I have never lived at. The addresses are as follows, XXXX XXXX XXXX XXXX, XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Please these need to be investigated and then removed. I am trying to get into a home to even rent and can not due to these addresses being on my credit report. Please remove!!!
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have 2 accounts on my credit report that I have no knowledge of and it's affecting my credit profile, credit score, and my credibility. I need these accounts to be removed expeditiously. 

The accounts are with a company called XXXX  XXXX reporting agency XXXX XXXX  for the balance of XXXX and one for XXXX. Both accounts need to be removed I've never had an account with this company
Product: Checking or savings account

I was charged a lot of overdraft fees during a very difficult period in my XXXX XXXX issues! XXXX related issues ended up getting a XXXX XXXX
Product: Checking or savings account

US Bank XXXX department was paid and has yet to give me a letter with there Bank logo on it. 

They send me some type of letter with nothing on it as proof. 

Have gotten nothing but the run around with US Bank in regards to this situation.
Product: Debt collection

To whom am I concern I am writing this explanation regarding the incorrect account on my credit profile. I was never approved with XXXX XXXX! In XX/XX/XXXX my insurance broker shopped around to find me a new insurance policy. He initially found XXXX XXXX and signed me up on XX/XX/XXXX. ( please see the screenshot from the email that I received from XXXX  ). I paid {$740.00} on my card and signed all the papers and thought everything was good to go. 

On XXXX the XXXX XXXX I received a email from XXXX stating that they made a mistake. ( Please see screenshot ). I signed additional documents and again thought everything was good to go. 

On XX/XX/XXXX I received another email from XXXX stating they had more documentation that I had to sign. ( Please see screenshot of email ). I logged into the account online and signed another document. Again I thought everything was good to go. 


On XXXX the XXXX XXXX I received another email from XXXX stating that everything was confirmed. ( Please see screenshot of email ). 


On XXXX the XXXX XXXX I received another email from XXXX stating that my policy was canceled. ( Please see screenshot of email ). I spoke with my insurance broker and he confirmed that they canceled our policy. It turns out that they never accepted our coverage and we had been driving without insurance! 

Immediately my insurance broker found me another policy with a different company. He stated that my {$740.00} that I previously paid would be refunded. 

After several calls and weeks my {$740.00} that I paid was fully refunded. ( Please see screenshot of bank statement ) Since XXXX of XXXX I have been receiving several calls from this company stating that I owed them money. I have sent them everything that I have sent you and they continue to call and harass. They have damaged my credit report by adding this fraudulent charge and again I don't even know who these people are. I've as for them to send me any information and they refuse. I explained to them that I was never approved with XXXX in all funds have been refunded. They did not listen to me and they continue to add stuff to my credit report. 

Something needs to be done! Please fix this expeditiously!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! I recently received a notice from XXXX XXXX that I was denied of credit. I called them to inform them that I didn't apply for any line of credit with them. I told them that an inquiry was placed on my consumer files and I didn't authorize. I have already filed a FTC report Exhibit A and the company stated that they have verified my information and that they would not be removing this unauthorized inquiry. They stated that the address on my application matches my information as if someone who may know my address can't apply for a line of credit with my information.The things is they also stated in this letter that I received that they were unable to to verify the identity of the personal guarantor. Exhibit B. As stated before that I didn't authorize this inquiry or apply for a line of credit. Exhibit C & XXXX are letters I have sent to the company to inform them that I never authorized this inquiry and they continue to report this unauthorized inquiry on my consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

The below inquires are fruandlent and should be removed. 

Inquiry details 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: Mortgage

This happened several times over the years, with the most recent experience happening in XX/XX/XXXX. 
I made a large payment with a note to put the payment towards principal only. 
Instead the payment got distributed towards some principal and some interest. They also pre-paid my regular monthly mortgage payments several months in advance. 
I called to have this be moved all to principal. Was told its going to get done. Had to call a 2nd time b/c prior action was only partially done. On this 2nd call, I learned that the company instituted a policy that an account has to be pre-paid 2 months in advance before any large amount can be out towards principal only. Apparently they did this policy change in XX/XX/XXXX, but the agent wasn't sure. 
This was not communicated to me when the policy was changed. Nor was it mentioned during the 1st call I had to make to correct the issue. 
And more importantly, can they actually make this policy? Should I be able to put money towards principal? Especially when my account is paid up, I have no late payments, and in general good standing. 
The misallocation of funds to principal only, when that is a clear request on the funds being transferred and multiple times required to follow up to correct the issue is problematic.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and thus I am submitting this complaint. Someone has used my information fraudulently in an attempt to open accounts using my social security number and my identification. I request that the following item be immediately blocked from my credit report. They must be removed in order to show my true credit history as well as score, as these items should not be on my report to begin with. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from identity theft 605B ), I demand that the items be blocked immediately.

Since 4 days from receipt of this communication is your allotted time under Federal Law to block these entries, it should be understood that failure to do so within a 4 day period constitutes reason to promptly delete the information from my file. Refer to ( FCRA 15 USC s 1681i ( 5 ) ( A ) ). Please refer to the following accounts : XXXX Report... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to get a validation of debt from  CONNS CREDIT CORP si nce  XXXX    XXXX   still no luck I have sent many dispute letters through all credit bureaus never received a answer