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

XXXX XXXX XXXX -EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX -Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX  In according with the Fair Credit Reporting act XXXX the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C. 1681 section 602 A. States I have rights 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is to notify the CFBP that there is and are at least 2 FTC Cases against LVNV Funding LLC and Resurgent Captial services. For these companies attempting to defraud myself and extort money that was paid in full for reference ID XXXX. I have attached a copy of the FTC complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I had one late payment for my loan through XXXX now Achieve. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
Experian has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.
Product: Checking or savings account

On XX/XX/year> {$200.00} was removed from my Chime Checking account by XXXX and It has put my account in the red $ XXXX and Chime is not giving me my money back nor is XXXX.
Product: Mortgage

In mid XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship. In addition I lost my full time job due to the care I had to provide to my wife. I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current. 

I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, for several months I began to fax all requested documents in addition they had me notarize the documents we faxed to the modification department. I was constantly transferred to different Wells Fargo Home Mortgage representative and agents. I was XXXX, anguish they kept denying my request for a modification, Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it has become a nightmare. I continued to plead with them for a loan modification but to no avail. 

I want to file a SECOND complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method they apply for a loan modification in order to deny the ( HAMP ) - Making Home Affordable Program and any loan modification after I was assured I would be eligible for a loan modification if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan. I believe this is clearly a violation of the HAMP program code 1.1.3 HAMP Tier 2 Eligibility and Tier 3. Additional Factors Impacting HAMP Eligibility and the program codes 3.1 & 3.2 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 which I fall within the aforementioned guidelines. 

I also consider they are violating The Truth In Lending Act - TILA. This federal law was enacted in XX/XX/XXXX with the intention of protecting consumers in their dealings with lenders and creditors. The Truth in Lending Act was implemented by the Federal-Reserve-through-a-series-of-regulations.
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a letter stating that I owed a medical bill that I knew nothing about. I submitted a certified mail request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. XXXX XXXX failed to validate the debt. They just sent me a two page photocopied bill that looked like they made up that had my name on it with the amount that they accused me of owing. So, I sent a second certified mail letter to XXXX XXXX XXXX XXXX, again, requesting that they prove that I am the one that is contractually obligated to this debt and that they have the right to legally collect on such debt. XXXX XXXX failed to do so, but, moved forward and reported this fraudulent debt to the three major credit bureaus, thus effecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( XXXX, Equifax, XXXX ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at XXXX today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check XXXX account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY XXXX XXXX  LOAN SHOWS UP ON EQUIFAX FOR {$1000.00} AND SHOULD HAVE BEEN SHOWN AS PAID OFF WITH A {$0.00} BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
Product: Credit card

on XX/XX/XXXX I called Best Buy rewards to tell them that I had a problem with my rewards points. They claimed that my account was linked to another person and that the back-office would need to take a look. I received no communcation from Best Buy rewards, but did make purchases that should have generated more rewards points over the year ( XXXX ). Here is the case number XXXX that I logged in XX/XX/XXXX. 

I called Best Buy today XX/XX/XXXX to again ask for my rewards points. They told me since my account is linked to another person ( who I do not know ) that I need to log it to ftc.gov. In answering the prompts on ftc.gov it lead me here. If you need additional information from me please let me know.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 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: Checking or savings account

I have a mandatory auto draft on my business checking account for insurance. I also receive ACH payments from my clients. I was aware that my auto draft would come out of my account prior to the deposit but I was not expecting the XXXX {$74.00} overdraft fees in addition to {$8.00} a day. It seems as if a debit which I had money in the account for was held and forced an overdraft fee. I have asked the bank and received no assistance.
Product: Checking or savings account

My electric payment from XXXX XXXX posted on my account on XXXX XXXX,2017 for {$91.00} and some change and this payment showed clear after I made a transfer of {$130.00} from my second account that I have with Huntington which has my direct deposit. My XXXX XXXX was returned and I was charged two {$37.00} returned check fees. Huntington offers a 24 hour grace period but I was denied the grace because of an earlier complaint I made against them for discriminating against XXXX XXXX with regards to fees they charge them as oppose to their XXXX XXXX when it comes to them applying their 24 hour grace promotion. I have started an online petition with thousands of complaints and I will file a Class action lawsuit if all my fees are n't returned into my account within 30 days. They have misleading marketing when it comes to their 24 hour grace period because they pick and choose which ethnicity they extend that option to and it must STOP. .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I had sent a letter ( attached ) to XXXX XXXX XXXX  ( the original creditor ) to dispute the derogatory statements on my credit report which was hampering my ability to obtain an approval for home loan through XXXX XXXX XXXX XXXX. This action did not result in the desired action from the company. 
I had then sent a letter to the FTC who then escalated it to the OCC who then had XXXX XXXX XXXX   remove the derogatory statements from my credit reports. 
For reference my original complaint to the cfpb : Complaint Number XXXX ( attached ) was regarding the original creditor who has sold their accounts to LVNV, LLC the current owner c/o Resurgent Capital Services. 
I have also attached the XXXX XXXX XXXX XXXX  sent to me from XXXX XXXX XXXX  proving that this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/2023 : Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$570.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect negative items on my credit report XXXX XXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit card or prepaid card

This card was closed by me in XX/XX/XXXX ( to avoid hefty new annual fee ). I was still using the card in XX/XX/XXXX. On XX/XX/XXXX, I was advised a merchant was issuing 3 refunds totaling {$1100.00} back to the card due to COVID cancellation of an event I paid for with the card. I called Chase customer service on XX/XX/XXXX, who confirmed the refund back to the card would be received and I could access it. On XX/XX/XXXX, Chase advised they had " purged '' my account and would not receive the refund, I could no longer access statements, and I could no longer access XXXX Spending Reports for tax purposes, which was a substantial benefit of this account. Chase advised that the {$1100.00} refund would be returned to the merchant, which could take another 30 days. Chase 's own policy is not to purge until an account has been closed for six months or longer with a zero balance. Chase has no explanation as to why I was misinformed on XX/XX/XXXX, or why my account was cherry-picked by Chase for purging only three months after it was closed. Please help!
Product: Debt collection

I had tried to return a phone in exchange for a new one ... thats all no upgrade etc. ( had it ten 10 days! ) ..the nastiest woman in the XXXX NH store bellowed there is nothing wrong with this phone ... which of coarse there was. I wanted to swap it out before the warantee expired and she wouldnt do it. So I put the phone on the desk and told her you have broken the contract by not repairing or replacing defective phone. We have no contract .She said GOOD LOL.. Recently checked my credit score which was ok and found XXXX sold it to collections. Someone said call verizon which I just did and the abrupt woman said .nothing I can do we sold it. I asked to talk to supervisor and was told there was no need.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was made aware of the EQUIFAX data breach and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into XXXX free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC Affidavit. 

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

I am writing to formally request the immediate blocking and deletion of certain unauthorized credit inquiries from my credit report. I am a victim of identity theft resulting from a data breach. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized information removed from my credit file. 
Inquiries to Remove XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024
Product: Bank account or service

I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.
Product: Credit reporting or other personal consumer reports

The account with Affirm had a remaining balance of {$810.00}. I paid this balance XXXX ( in full ). The company is still reporting this account monthly as a charge off and also has not updated the balance on the account to reflect {$0.00}. I have disputed this several times with XXXX and with the company. I have also provided a copy of the receipt to show proof of payment. I keep getting results that the account remains.
Product: Debt collection

I am being charged for a bill that was supposed to be paid through my insurance company and the hospital has not submitted the bill for payment to my insurance company. Rather they have turned the bill over to several collection agencies and it has now compromised my credit.
Product: Vehicle loan or lease

Obtained a loan for XXXX XXXX on XX/XX/XXXX. Per the Retail Installment Contract and Security Agreement signed, " You may prepay this Contract in full or part at any time. Any partial prepayment will not excuse any later scheduled payments until you pay in full. '' I have made numerous extra payments and very large payments but before I started doing this, I had called Bank of America 's ( BOA ) customer service number at XXXX to verify that any excess payments would be applied to my principal balance since there was no option to designate this either within their online banking tool or by phone payment ; I was told excess would automatically be applied to principal. I have recently learned that this has not been the case - that instead, they have been extending the due date of my next payment which is now extended over a year out. Since discovering this, I have made 6 phone calls to BOA in an attempt get this resolved. I have also visited their branch office in XXXX, Texas in an attempt to speak to someone. My last attempt to visit in person was on the morning of XX/XX/XXXX. As I have experienced in the past, there was no sign-in sheet available and when I approached a banker to attempt to get on a list, she told me they did not use a list and also that she had no time that day, nor could she book an appointment for me and that I could call to make an appointment, but I have attempted that in the past with no luck. My most recent call to XXXX was placed on XX/XX/XXXX at XXXX and was answered by XXXX who reports that she was in the CVO department. During the XXXX minute call, she repeatedly put me on hold with no explanation and would not answer questions. She eventually placed me back at the very beginning of the call que although she had previously stated that she was going to directly transfer me to the correct department who could correctly apply my previous payments and that she would stay on the line and explain my concern. She asked me if I wanted the bank phone number and when I told her I didn't understand what bank she was referring to because I had already tried to visit the bank in person, she just put my call back in the que. She also told me she could mail me the transaction activity report from conception of my loan to today 's date, but later told me she was finding out if she could that. I had already had a previous Bank of America employee tell me during the week of XX/XX/XXXX that I was being mailed a transaction list and would receive it in 3-5 business days but did not receive anything. That previous agent also told me that she was connecting me directly to the department that would correct the previous payments and that, in the case I was disconnected, she had already placed a request for them to contact me. I was not directly connected, I was simply placed back in the original call que where I tried unsuccessfully for 12 minutes to get connected to a live person ; there was also no follow-up contact from Bank of America as promised.