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

I am currently an Identity Theft victim, and froze the three credit reporting agency accounts in XX/XX/XXXX - these accounts also have fraud alerts on them that i placed. My experian credit monitoring account was hijacked my someone who opened a fraudulent digitial checking account and they changed all my login credentials on Sunday XX/XX/XXXX. It took 24 hours for me to reach the checking department on the phone and they said they would close this unauthorized checking account- they still have not sent me the email confirmation of this account being closed or sent me a mailed letter. It took two days of calling to reach someone in the membership dept to get help recovering my credit monitoring account : they helped me set up new user name & password but did not put my phone number back on my account- the account still has someone else 's number. I have called them 32 times about this and there is no option to reach a human being. I emailed them also about 15 times and they only responded twice with copy & pasted " help '' instructions pulled from their website. They haven't bothered to read what my issue is, or call me, or respond to me with any sense of urgency to protect my sensitive personal data. I have filed a police report for the fraud that happened with experian on XX/XX/XXXX and so i am able to extended the security alerts for another seven years. They exposed me to an account breach and someone gained access to my personal information, Experian is not addressing this or following the law. This is abusive practice of a credit reporting agency to treat consumers like garbage and offering no protection for the personal data they maintain And how they are treating me, who is already an Identity theft victim, is absolutely disgusting
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple FCRA violations and discrepancies on both XXXX  and Equifax from XXXX XXXX from account XXXX # XXXX XXXX. 
( High credit amount is inaccurate ) Amount on payment history statement is {$8700.00}. Amount on credit reports is {$6100.00}? Please see statement in upload. 
( Illegal re-aging ) Statement shows first date of delinquency is XXXX. No payment made and was first 30 day late. Account is older than 7 years since date of first delinquency. 
( Account type ), ( Account status ), ( Last reported ), ( Comments ), ( Date last active ), and ( Date of last payment ), All read different and are inaccurate, between XXXX, and Equifax reports. Please see uploaded reports! XXXX  has already deleted due to these same inaccurate items. ( Delete immediately from XXXX and Equifax! )
Product: Mortgage

This is the XXXX time that Guaranteed Rate is refusing to pay my property taxes from my escrow account. I have paid every mortgage payment on time and they require a portion to go into an escrow account. By law, they are required to use these funds to pay my property taxes. For the XXXX time in a row, my property taxes are now listed as delinquent. On XX/XX/XXXX, I sent my property tax bill to Guaranteed Rate. They assured me that they would be paid on time. I have called and emailed multiple times with no answers. They have escalated my concern multiple times and there are still no answers. I can not continue to wait for them to pay my property taxes. After months of calling and emailing and a complaint with CFPB, they finally paid the XXXX property tax bill but then they charged me the late fee. It took another couple months to get that fee refunded to my escrow account. Now I am in the same boat ... filing a complaint. I will never use Guaranteed Rate for a mortgage again. I am currently working with a local bank and it is 100 % better. People have answers, and the mortgage won't be serviced by Guaranteed Rate. My rental property will be forever doomed ... I just hope they get their act together so I do no have to submit a complaint with the feds in order for them to make a simple payment twice a year. It is such a waste of my time and money to have to do Guaranteed XXXX 's job for them. So many other better company 's out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?
Product: Checking or savings account

On XX/XX/XXXX @ XXXX ( which is wrong it was XXXX ) I made a deposit of two money orders in the amount of {$1000.00} each into my account at BBVA location on XXXX XXXX XXXX . The money orders were purchased at the post office located on XXXX XXXX XXXX.on XX/XX/XXXX the plan was to purchase a car which I decided against last minute. When I deposited the money orders at the XXXX XXXX location no one said anything to me about placing a hold on them or anything as a matter of fact the funds were available immediately. On that Friday I had the last of 4 money orders that I purchased and I went to the BBVA location at XXXX XXXX. After making me sit at the window for more than 30 minutes the teller gives me the money order back and says '' my manger is unable to verify this so we can't cash it and the two money orders that you put in your account earlier this week we are investigating them, but you can always go to the post office to cash it. '' I left that location and went to the nearest post office while in the parking lot I called BBVA to file a complaint about what had just occurred. I was given the complaint # XXXX and reassurd by customer service that there was nothing wrong with my account and that I should have no more problems. I cashed the money order at the post office and went on. That following Monday XX/XX/XXXX I went to the XXXX XXXX location to deposit cash so I wouldn't have a repeat of Friday that's when after sitting yet another for 20-30 minutes I was informed that my account had been FROZEN because of the two money orders that were deposited the week before. I called in and after being placed on several holds and wasting more than an hour and a half of my time I was hung up on during a transfer to the fraud management department. That happened at XXXX being super angry already I said I would just call back the next day. The next morning I called and spoke with XXXX XXXX who explained that because the account was fairly new a hold had to be placed on the money orders for 10 days and the funds should be available that Friday XX/XX/XXXX or no later than Monday XX/XX/XXXX. After thinking about the conversation I had more questions so I called back and spoke with a different woman who was no help so I asked for a manager. she took my information and said a manager would call me back. I received a call from XXXX XXXX who said that the manager at the location had placed a note on my account saying that she sent a rep to the post office and they say the money orders were no good and then asked me to email her any proof of purchase that I had. I emailed her in less than an hour and to date have heard nothing back from her after emailing her the information and follow up email the next day. I called back to the fraud department today XX/XX/XXXX because my account is still FROZEN and got XXXX again who stated that she didn't know what the next steps are or what the status is on when my funds would be released it's been almost two weeks of dealing with this with no answers and not reason for there being a freeze being placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX
is reporting incorrect information on my credit report just because my maiden name was XXXX.. That does not mean this debt belongs to me and I have requested on 3 occasion to have this information removed from XXXX, Equifax and XXXX, these accounts were previously deleted because another collection agency was reporting in error also(XXXX XXXX XXXX) and the debt was not able to be validated because I did not recieve these service, There was an apartment in my name in another city that I am fighting because I did not authorize nor does it match my social so I filed a Identity Theft report with the federal trade commission and REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CREDIT FILE.

COLLECTIONS
XXXX XXXX
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX Highest Balance
$XXXX Opened
XX/XX/XXXX (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX
See an error?
You could dispute an error with Equifax.

GO TO EQUIFAX
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 2% of your collection amount.
Balance
$XXXX
Highest Balance
$XXXX
Opened
XX/XX/XXXX (2 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX 
See an error?
You could dispute an error with Equifax.

GO TO EQUIFAX
Creditor Information
XXXX XXXX XXXX XXXX

Certified
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX
Opened
XX/XX/XXXX (4 yrs, 9 mos)
Account status
Open
Type
--
Responsibility
Joint
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX XXXX XXXX
See an error?
You could dispute an error with Equifax.

GO TO EQUIFAX
Creditor Information
XXXX XXXX, XXXX 
the collection agency said he did receive my identity theft report from the federal trade commission see email
On Wednesday, XX/XX/XXXX XXXX XXXX, XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX 
Collection Manager
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX

This is an attempt to collect a debt and any information obtained will be used for that purpose.

This message and its attachments may contain confidential and/or legally-sensitive information that is intended for the sole use of the addressee(s). Any unauthorized review, use, disclosure, or distribution of the information contained in this message and its attachments is prohibited. If you have received this message or any of its attachments in error, please destroy all originals and copies of the same and notify the sender immediately.


-----Original Message-----
From: XXXX XXXX XXXX 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX 
To: 'XXXX XXXX' ; XXXX XXXX 
Subject: RE: Out of Office Alert

Please acknowledge you received my fax
Product: Checking or savings account

Ive been complaining to my husband for a few months now about how my account keeps being overdraft. It would say I have this much available and I use debit for some so which I thought cleared but the next day check my account and its overdrawn. This actually just happened two days ago XX/XX/year>. It was overdrawn by {$25.00} and it appears that its almost {$25.00} every time.
Product: Credit reporting or other personal consumer reports

I am 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 XXXX 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 federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX Funding and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. 
I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND PORTFOLIO RECOVERY ASSOCIATES. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I tried to login and use Equifax, they could not identify me based on their records. I called in, still could not, they requested that I send in ID to verify my identity. I did so on XX/XX/XXXX, to this day, they still say they can't ID me if I try to log in, based on their questions and Account they refer to, they still cant. I have sent in info XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX They do not report or correct or remove items from credit reports
Product: Mortgage

To Whom It XXXX Concern, Fifth Third Bank is currently reporting to the XXXX major credit bureaus that my XX/XX/XXXX mortgage payment was paid 30 days late. I have attached a screenshot of my payment history which clearly indicates that actually XXXX payments were made in the month of XXXX. The first was XX/XX/XXXX for the XXXX payment, and XX/XX/XXXX for the XXXX payment. 

I have also attached a screenshot of Fifth Third 's reporting showing a XXXX late and " past due '' comments in XX/XX/XXXX. Since late payment reporting is for the previous month ( XX/XX/XXXX ), this is obviously an error. Because of these erroneous remarks, my credit scores were severely damaged.
Product: Debt collection

My wife and I purchased a home around XX/XX/year>. We used an insurance broker to get quotes for several different insurance companies. XXXX of which was XXXX, but we optped for XXXX XXXX. In mid XXXX we recieved a letter from Credit Collection Services saying we owed XXXX  {$980.00}. This letter did not include any mention that we could dispute this debt, nor that there was a time limit to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items stated below continue to report on my credit report in violation of federal law despite numerous written requests. The 3 credit bureaus never responded to my letter, which I sent to them. In line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), this items must be verified. I will file a lawsuit against them if they refuse to verify these items. So that this situation can be rectified as soon as possible, kindly abide by the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I will file a complaint with XXXX XXXX as well. I was shopping rates on XXXX XXXX and wanted to see the terms I would get on a soft pull. The card was opened immediately without my consent. I called XXXX XXXX and requested to close the account immediately after I got notification that the card was opened ( within mins ) The card was closed fine however they were still going to report it to the credit bureau as a closed card. I do not believe this is right if a person has called immediately after the opening of an account. They tell me they have no ways of pulling this information off the credit report when they are the ones who send the report to the credit bureaus they absolutely should be able to turn around and either XXXX stop the reporting of it XXXX not report accounts that have been closed within XXXX hours of opening. After I confirmed the account was closed of course there was a hit on my credit which should not be registered or removed upon closing. Less than a few weeks later I get a statement saying there's a {$120.00} balance. I called immediately and found out there was an annual charge still on this card. Not only was I not given what the terms were in my exact credit scenario, they charged a annual fee that if i actually were going to get the card and keep it wouldn't have known because no terms were shown to me. This started with XXXX XXXX but I am am submitting a complain to XXXX XXXX for reporting improperly and inaccurate information on my credit report.
Product: Credit card

XX/XX/2014, I purchased Jewelry on the a Wells Fargo XXXX XXXX. This was a 12 months same as cash arrangement. When I received the bill, I set it up for 12 months with 2 weeks before the final due date. My account was on auto payment and was in good standing. 

Wells Fargo did not apply my last payment until after the " deadline '' date of the contract ( let me reiterate, this was on autopayment and completely in good standing. The amount sent he period was greater than what was required to payoff in advanced of the arrangement ). Believing my payment was paid in full, I did not check back until a credit alert occurred on my credit score. 

I called Wells Fargo immediately and was told the only way for me to dispute the charges was to fax or mail a letter. The letter below was sent on XXXX XXXX. I have since called twice ( with their collection agencies calling my phone multiple times a week ) and the letter is never received. Forcing me to either pay {$540.00} ( which is about XXXX % of the amount I put on this card to start with ) or get a 60 day delinquent mark on my credit. 

( The fact that my last payment was not applied for several weeks was CONFIRMED by a Wells Fargo Rep when I called ; however, he could not do anything about it. He could only ask me to send a letter. That letter was never received. ) This is a predatory practice. The fact there is no way to dispute and get a resolution of these charges short of a fax or a letter that will never be received is prove of this.
Product: Credit reporting or other personal consumer reports

I have countlessly tried to reason with this company regarding my identity theft I have sent multiple police reports they told me they were edited I have contacted the authorities I have disputed these accounts countless times with simple responses from this data furnisher saying they are verified they have sent me no proof of how they were verified when I ask for proof they will return with account has been updated. I am not resposible for opening these accounts. This identity theft with my personal information has caused defamation of character has caused me emotional, psychological, mental and financial distress. I am pleading with your company to help me. I have all documentation to move forward with a lawsuit. This will be my last attempt to reason with this company I need proof bearing my signature on any contracts signed, photos or video of person physically there or XXXX addresses for electronics used to open these accounts. If you can not produce these I will need all accounts removed immediately within the lawful time period. 

XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$280.00} XXXXXXXX XXXX  - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$4300.00} XXXX XXXX XXXX  OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1600.00XXXX XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$610.00} XXXX XXXX XXXX XXXX  OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1800.00} XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1500.00} XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX {$160.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Product: Debt collection

*I have reviewed my Credit report and found several account unrecognized items from your office PHOENIX FINANCIAL SERVIC # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc ... I can not seem to locate any files or paperwork that show PHOENIX FINANCIAL SERVICES is in compliance as far as HIPPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with XXXX. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing. 

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.