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

Subject : Formal Complaint Against Equifax Information Services LLC for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax Information Services LLC for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description. 

Despite my dispute submitted on XX/XX/23, Equifax Information Services LLC has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Equifax Information Services LLC adheres to the FCRA. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous attempt just to make sure that the reported erroneous items in my file are removed or blocked. Please remove or block these items : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX  XX/XX/XXXX
Product: Debt collection

I received notification from family members/relatives that a company called and left a robo message stating I had to go to court. My relatives stated that a man stated he was an attorney and he was trying to serve me a summons. One of my relatives are disabled and contacted them as well but this relative just got their phone number. The impersonated attorney stated they got the number from a previous employer from XXXX XXXX. I contacted the Library because it was stated they served the library with my summons. The staff at the library stated they would never give out informatio to anyone, and no one went there with any papers. My relative started asking more questions and the law firm stated if I did not reach out to them they were going to send the summons to another employer listed as the government in Washington DC. and the file number is XXXX. The lawyer stated a civil complaint is against my license and was used to get something. I XXXX  this firm, but its not a lawfirm it looks like a debt collector by the name of XXXX and XXXX and their number is XXXX. They stayed the lawyers name is XXXX. I contacted all the courts in New York and they stated do not give any information to them to make a complaint. The courts stated a summons would be with the court and the file number they gave is not in the system. The court stated to ne thar anything against my licesnse would be through Department XXXX XXXX XXXX and they would be able to recieve my current information if it was licences number..This company also has my license number. The debt collector is impersonating to be attorneys and contacting my relatives and harrasing my family and my former employers. I XXXX  this company and others are stating it use to be Midland Credit, and this same XXXX and associates were doing the same thing harrasing consumers on a debt they didnt owe. This is tax season so I. assuming these illegal debt practices are illegal. I want this debt collector to stop harrasing my family and stop contacting my former employers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Product: Credit reporting

XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Product: Checking or savings account

According to my account, I am overdrawn. I reviewed my account online and not all of my previous transactions are listed. Every time something like this happens it appears that the bank posts what they want to first which results in a larger overdraft and more fees. I have complained about this problem before. And about not being given enough of an opportunity to fix the problem. Now I do n't get paid for another week and a half and will continue to be charged {$12.00} every 3 days until balance is corrected. I was only give half of my overdraft fees last time, because I was told the district manager never approves any overdraft fee reimbursement. Well, I think the problem needs to go higher up.
Product: Checking or savings account

I am highly disappointed with Bank Of America refusal to be customer centric regarding the overdraft, non-sufficient funds and extended overdraft fees that I have been assessed over the past year. One of the reason I chose to bank with BOA was because I heard of their desire to consistently deliver the exemplary service they know that their customers deserve. On several occasions, I have contacted customer service requesting assistance or direction with banking concerns and have only ended the call inquiring as to why instead of creating solutions for their customers, I 'm still in the predicament of where I started. I contacted the bank of XX/XX/XXXX regarding an unauthorized transaction to XXXX XXXX in the amount of {$36.00} that I had been paying for a product that I returned and because I had other transactions coming from that merchant, that it never dawned on me that I had returned those 2 items in which that charge was payment for.that I had been paying. I had been charged 11xs in this amount. Instead of providing a solution, the agent did everything in her power to keep me from filing any type of claim for the transaction and when I asked for a stop payment, she simply said that she could place a stop payment on the merchant for a fee. My question to myself is that, I have never received a stop payment before or any type of reimbursement for a fee for that matter and if this is causing financial hardship since she refuses to allow me to file a claim, why not provide the stop payment as a courtesy. In regards to the fees that I previously mentioned, a review of my account has indicated that I have paid {$1000.00} in overdraft, non-sufficient funds and extended overdraft fees since XX/XX/XXXX. By all means I know that as a customer, it is my responsibility to manage my account effectively ; however, there may be times in which are outside of my control and I have tried to discuss the matter with phone bankers but I 'm always told that they are unable to assist with fees and to only bring the account to a positive balance or I will get hit with additional extended fees. I am submitting this as a request for some type of reimbursement for some of the fees that I have incurred over the past year. Although I understand by using the account, I accept the terms and condition of the account and the fees that I am subjective to ... but as a consumer, sometimes its nice to know that a company values you as a customer and realizes that you may have made a miscalculation or misjudgment and be willing to say, as a courtesy,  we understand and want to keep you as a customer. I ask that you review my account relationship and provide a reimbursement for the fees that I have been assessed. The only fee reversals that I have received where the result of unauthorized transactions. Thank you for your time.
Product: Credit card or prepaid card

On XX/XX/21 I made an online purchase through American Eagle for three pairs of jeans in the amount of {$150.00}. Then on approximately XX/XX/21 I observed that my credit was pulled from American Eagle and I didn't understand why it was. I contacted American Eagle and they told me that I applied for two credit cards and was denied. I immediately informed them that I did not apply for any credit cards and I made a purchase on XX/XX/21 for three pairs of jeans and that was all. She patched me over to the fraud department and exchanged more information and ended saying that they will send a letter to the credit bureau 's informing them that I was a victim of identity theft. After that extended phone call I also called XXXX  and spoke with them and they informed me that I had to send a letter with all my information and the information that they told me to include also. I am sending off my letter to XXXX on XX/XX/21 and I will be awaiting their response. I am hoping that they will remove the fraudulent inquiries immediately so I won't have to deal with more issues of these fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC-1681 SECTION 602 States i have the right to privacy. 15USC1681 SECTION 604- A SECTION 2 also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC-1666B a creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved after submitting numerous disputes with evidence numerous CFPB complaints. The CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing continuous harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer. All of my identifying information will be attached again.
Product: Debt collection

2019 someone used my name an social security number without my authorization I never had an electric bill before.
Product: Debt collection

IQ DATA INTERNATIONAL IN, ( Debt Collector ), reported me to the credit bureau on behalf of ( XXXX XXXX XXXX XXXX XXXX ) That I owed XXXX dollars. I did not break my contract, they said I owed the money in damages apartment had, and they had to fix. I called the debt collector in 2015, and stated that I did not do XXXX worth of damage, but I was willing to settle it for XXXX dollars. They refused and told me the amount would just be going up, today they say I owe XXXX dollars, I think that is not legal what they are doing, also they will not compromise with me, they want the whole XXXX for deletion on my credit file. I do not have XXXX dollars, I can only afford XXXX, which I think its a good compromise, for the original balance of XXXX ( which I did not do in damages to apartment )
Product: Bank account or service

I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian regarding their ongoing reporting of inaccurate information on my credit report. The account in question ( Account Number : XXXX ) contains errors that I have disputed multiple times. Despite my efforts, Experian has failed to correct or remove these inaccuracies, which is severely impacting my credit score and providing misleading information to potential lenders. This situation is negatively affecting my financial opportunities and causing undue stress. 

I have reached out to both Experian and the company responsible for the account on multiple occasions, but no resolution has been provided. This lack of response and inaction is unacceptable and continues to cause unnecessary financial harm. As a consumer, I have the right to accurate information on my credit report, and I expect this issue to be resolved immediately.
Product: Mortgage

Re : BSi Financial. Loan # XXXX From day one of my refinancing ( I never chose them but I've ended up with them ) there are major shady things happening. First payment was XX/XX/2022. I setup my mortgage payment on auto pay via my bank 's checking account in this XXXX, 2022. 

When I say I emailed them about it I also have screencast videos to prove all that. 

XXXX. They don't have any option on their website within my mortgage account to control or set my privacy settings. 
I emailed them about it couple months ago but no answer. 

XXXX. There is no way to set up two step verification for security. I emailed them about it but they are not responding. 

XXXX. They are not reporting my payments to credit report agencies. XXXX, XXXX, and XXXX are not seeing nor showing my mortgage with BSI Financial. As if invisible. No mention of my mortgage whatsoever. 

XXXX. In XX/XX/2022, i setup the auto pay for bi weekly payments. They sent confirmation letter on XX/XX/2022 ( attached ) and I also have video evidence of my settings etc. 

BSi, switched to one monthly payment against my will and opposite of my confirmed settings. It also appears that one payment wasn't made. 
I called BSI ( recorded conversation ) in XXXX to complain and demand they switch back to biweekly payments. 
Person on the phone said they have that fixed and they will email me with confirmation. Month later it's not fixed and no emails or letters from BSi received. 
I contacted BSI again via my online mortgage account : XX/XX/2022, I sent them an email ( video evidence on file ) from within my online BSi mortgage account. 
I've demanded that they make my mortgage payments bi-weekly per my settings and I've requested confirmation response in writing via email or US mail. No response. I also requested that they report my correct payments to credit agencies. No response. I also requested that they let me know where can I edit my privacy settings and if they have a way to activate 2FA ( two factor verification ) for login to my BSi account for security. No answer. 

Quick search online and their reviews are horrific. 

I am very concerned about my reputation and credits score that is likely being sabotaged by BSi Financial aka Servis One Inc. 

Please let me know if you would like to see the videos and let me know what I can do to make them stop the sabotage. It's a major sabotage of my time and health in addition to credit and reputation. 

I've already sent this videos to BSI but I received no response from them. 
They are ignoring me. Hence, I have no choice but to file the complaint. 

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

They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a XXXX late mark when there are no records of XXXX days past due? It seems to have jumped straight to XXXX  days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors.

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX Account XXXX XXXX XXXX XXXX DEPT OF EDXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. please removed the inquiries
Product: Checking or savings account

In XX/XX/XXXX I deposited a check for XXXX it was from a chase client they put those funds on hold for two days. When XX/XX/XXXX came I tried to withdraw and was not able too. I called chase they said my account was restricted and that it was going to be closed. In the mean time I had a sba loan that was going to come in I didnt think it would go in because of the closure of my account. I call chase and I see that they had put those XXXX that were in my checking into my daughters account that is link to mine without letting me know. They had recieved the XXXX loan of XXXX but didnt put that one in there. I called chase to ask why they had put the XXXX in the other account instead of mailing it and where are the XXXX. They were suppose to mail me all my funds within seven days but they havent. Now they are saying that my sba funds of XXXX are on hold until I go in the branch and show them documentation of my business. Which I dont mind but by law they are suppose to mail my funds back to me. Im no longer their client. They chose to close my account. I asked them to send it to the XXXX because thats where it came from. They said they can do that but wont give me a date to when they will do that. Those loans have time sensitive. I call chase and they give me the run around and they even hang up the phone on me. I need to see what are my options. When I applied for that loan I gave my paper work to my lender. Theres no reason that I would have to prove it to them especially if I no longer have the account open with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't sent XXXX or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX  Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.
Product: Debt collection

I have contacted your company before about incorrect reporting and the wrong info listed on credit report. I have reached out to the XXXX company here in XXXX so many times and still no response from them and even you guys have tried and told me that you cant get in touch with them. I have asked for proof and still nothing i have asked that this be taken off my credit report for over 2 years now i need your help. please have this taken off my report it is hurting me and i have sent 3 more letters to them no response. i have reached out to all 3 credit bureaus to have removed they cant even give me the correct info. please help me as a consumer get this handled PLEASE PLEASE .... THANKS THANKS THANKS IN ADVANCE