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

My Equifax has my incorrect name, i am trying to buy a home and can not pull my Equifax at all. They have everything correct except my last name. my name is XXXX XXXX, they have me as XXXX XXXX. They cant seem to understand after several disputes that my last name has a XXXX and not a XXXX. I mailed a couple of disputes and one stated that my ID showed my name as XXXX XXXX but still did not update it, the other one stated after they investigated my last name was correct in their system as XXXX XXXX. I called Equifax and spoke to someone and they did a verification through my phone where they asked for a copy of my drivers license and the person ahkowleged the mistake and still my last name was not corrected. after 4 dispute and fails i am not sure what to do anymore.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX, and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

I HAD STARTED MY INDIVIDUAL INVESTMENT ACCOUNTS WITH XXXX XXXX ADVISORS AND XXXX WAS XXXX WHICH HELD THE COMPLETE PURCHASE OF XXXX XXXX. THE OTHER WAS XXXX WHICH WAS THE PURCHASE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH TO THIS DAY IS XXXX XXXX WHICH NOW IS BEING SOLD THROUGH XXXX XXXX W/O MY AUTHORIZATION AND I AM THE XXXX ACCOINT HOLDER.
Product: Student loan

During The Pandemic I started XXXX XXXX XXXX It Was Virtual And At The End They Tried To Force Us To Get Covid Shots To Attend In Person For Labs And I Told Them I Have. Health Issue I Cant Get The Shots They Refuse To Give My Money Or Anything
Product: Debt collection

I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling. 

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts have all been removed as of the latest report pulled online with TransUnion, XXXX, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.
Product: Mortgage

After paying off my FHA loan from XXXX through refinancing with another lender, I was supposed to receive a refund of my escrow account in a total of {$850.00}. The refund was due in XX/XX/XXXX but I never received a check of that amount. By calling XXXX customer service, the refund amount was verified and I was promised to be issued a refund shortly. I called XXXX again in XX/XX/XXXX to follow up on the status of my refund and was told that the check was issued in XX/XX/XXXX and was cleared shortly afterward. During that call, I informed XXXX that I have not received the check and have not cashed it or deposited it. As I requested, a copy of the alleged cleared check was shared with me. The check copy does not have my signed endorsement but was stamped from XXXX XXXX XXXX indicating it was cleared. Based on their advice, I inquired about the check with my bank ( XXXX XXXX XXXX ) and verified that the check in question was never cashed, deposited, or linked to my account on record. Furthermore, given that the check does not have my endorsement XXXX XXXX XXXX confirmed that it could not have been cashed or deposited in any of their branches or online features. I called PennyMac again that same day and conveyed that information and then asked my case to be investigated by their fraud department. I was promised that they will look into my case and one of their fraud investigators will get in contact with me as they process the case. On XX/XX/XXXX I called XXXX again to follow up on my inquiry and complaint. I was then informed that XXXX is no longer investigating the issue and was told to resolve the issue with my bank as they can not provide any further assistance. XXXX was not able to provide any information that could me investigate the matter further such as where was the check cashed, or who cashed the check. That being said, I have reason to believe XXXX has embezzled my refund.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has on my credit report from what i can see a XXXX  acct ending in XXXX i have attempted to dispute this account as over 7 yrs old and when i file a dispute it updates their system as date last reported as todays date starting the whole 7rs wait over again. then when i spoke with their representative i was advised 2 things first i was told i have 2 accounts which i dont see 2 on my report then i was told that it was part of my bankrupcy which it never was since the last reported payment was XXXX. is account may have been back in XXXX but its been closed for over 12yrs and i want this report remove from my credit report immediately
Product: Credit reporting or other personal consumer reports

see attached I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Trans Union I have a fraud alert that should have prevented the inquires on my credit report. XXXX want the following inquiries removed immediately :. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Informative XXXX XXXX XXXX XXXX XXXX, Duplicate inquiry. I called XXXX XXXX and they asked me to dispute because it wasn't authorized and Trans Union still refused to remove it. The only inquiry should have been on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX received a credit card opportunity from XXXX XXXX for a JPMorgan Chase credit card, with excellent rating for approval. A hard credit inquiry was submitted for my credit report and until this day XX/XX/XXXX. Ive not heard XXXX word from JPMorgan Chase if Ive been approved or denied. It was my understanding it would be a soft inquiry and would not affect my credit. Then I tried contacting XXXX XXXX and couldnt get assistance and I also notice the same offer was available but the odds of acceptance changed from excellent to good and this all happened on XX/XX/XXXX.
Product: Credit reporting

TRANSUNION & XXXX XXXX XXXX did NOT provide me a XXXX release that releases my medical information to transunion, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my XXXX rights also the FCRA..
Product: Checking or savings account

On XX/XX/XXXX my bank account was hacked. The hacker wrote themselves and electronic check in the amount of {$3100.00}. 

As soon as I noticed I called my bank PNC, which then instructed me to file a dispute and sign an affidavit which was to be notarized by a branch representative. I did just that XX/XX/XXXX. 

On XX/XX/XXXX when I called the bank to check in on the dispute process, I was notified that the instruction given to me by previous bank reps was wrong and I needed to file another dispute ; which I did. 

Now, PNC is denying the claim and they told me that there is nothing that can be done. 

As a consumer I was robbed of my funds and the bank is failing to protect me.
Product: Debt collection

I have another complaint for the same company. In the original complaint, they reached out via phone and my wife didnt identify herself. The guy still proceeded to give the email address and address to the unidentified person ( which thankfully was my wife. Then Im their response they said they were going to stop contact with me but didnt. They still emailed my wife. Now we get a random email to my wifes phone email with no context other than a name and phone number. Supposedly proof that the debt is valid except they didnt send everything to validate the debt. They sent the documents without protection on it, so thankfully my wife still had access to that email. So many times my privacy has been violated. Even if it was with my wife. They didnt know that and willingly gave away my information
Product: Credit reporting or other personal consumer reports

am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX XXXX XXXX, XXXX XXXX XXXX COMPAOpened XXXX, XXXX XXXX XXXXOpened XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXClosed on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Closed on XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXClosed XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXClosed on XX/XX/XXXX XXXX XXXX XXXXClosed on XX/XX/XXXX AND BLOCKED AND DELETED REMOVE THESE INQUIRIESBY EQUIFAX IMMEDIATELY OFF MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

XXXX My account would not allow me to use any of the application features so i reached out to customer support. I was told that the matter would be escalated to another and that I should receive an email by the end of the day. 

XXXX I had not received an email so i reached out to customer support on the app only to be told the same. I then called customer support only to be told the same but also that I would have an email back by the following day at the latest. 

XXXX I had still not received the email so I reached out again through the app and was told that I still could not be helped and that they had no update. 

XXXX I received a direct deposit from my employer and then an email and text saying my account had been suspended due to suspected fraudulent activity and that it would be unlocked in 24-48 hours. Again I reached out to the provider through the app and was told the same thing that the text told me. 

XXXX I received a text saying my account was unlocked and it could be used but when i attempted to use it I had the same result of when the account was suspended. Again I contacted customer support, but I was told they could not help me. 

XXXX I contacted customer support again through the app and searched for alternative means of communication since they were not taking phone calls. I had no successes and was again told by customer support through the app that I can not be helped. 

XXXX Again I contacted customer support about the same issue and again I was told that I can not be helped. I still have not received the email I was promised would take no more than 48 hours.It has been 72 hours since I was told I would receive an email. It is not in my spam or junk mail and was not overlooked. The correct information is on file. 

During the course of my patience with this provider, I have had bills due and my children at home hungry. I have voiced this to the customer support but have not had the case escalated or rectified.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax on XXXX regarding Inquires i did not consent to. As a result Equifax did not respond to me regarding this matter. Please help with getting this matter resolved as these inquires are not a true reflection of my character, UNAURTHORIZED INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Product: Checking or savings account

This is a joint saving account which has experienced fraudulent, electronic deposit ( 2 times, total of {$0.00} ) and transfer out of the account 18 times, total amount of {$31000.00} ). The fraudulent activities started on XX/XX/2019 but were only noted by us ( the account owners ) and continued through XX/XX/2019. The merchant name is listed as " XXXX XXXX : XXXX ID : XXXX XXXX '' for all transactions. We have never interacted with a company called XXXX nor a person named XXXX XXXX. These activities were noted by us on XX/XX/2019. We have filed a claim with our bank, placed two stop payments ( one of {$29000.00} which was what was already taken by the time we realized on XX/XX/XXXX and one for any amounts ) and it is currently being investigated by the bank. A hold has also been put on the account which only allows deposits into the account and not transfers out of the account. Attempts to directly address this with XXXX ( which is a bank ) have not yielded any results. They refuse to transfer us to a risk/fraud representative. They will only record the information above and " pass it on '' and do not promise that anyone will get back to us.
Product: Credit reporting or other personal consumer reports

I sent a dispute to experian XXXX and XXXX regarding some collection accounts that do not belong in my consumer report as I had zero knowledge of them. I did not receive any form of notification that a collection agency was going to be on my report. Its been about 30 days since I sent my dispute and i havent gotten a response yet
Product: Credit card

Dear CFPB Team, I am submitting this complaint to address unreasonable APR practices and non-responsiveness from [ Issuer Name : XXXXCiti ] regarding my repeated requests for an interest rate adjustment. These actions appear to disregard consumer rights under the Equal Credit Opportunity Act ( ECOA ) and fail to align with competitive industry standards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of USC 1681B
Product: Debt collection

I received notification via my credit report that I owed American Medical collection agency with account # XXXX. I did not open any letters indicating that I had an account with this company. Recently my daughter died XXXX on XXXX XXXX, 2015. I had incurred many medical bills from my daughter while she was alive and for 4 months both my wife and I did not have any income, which enabled us to care for our daughter. The collection agency indicates they have sent us letters but I do not remember ever opening a letter identified by AMCA. My family and I have recently been able to be better situated to pay for our debt, thus when I noted this agency on my credit report I immediately called and verified this debt and payed for it. After payment I asked this agency to remove the debt from my credit report, at which point they informed me they could not.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach, and fraudulent accounts and unauthorized inquiries have been reported on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report.

Fraudulent Accounts XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$650.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXXXXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$720.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$880.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

i made the mistake of having XXXX book me a flight/ hotel package with XXXX Airline for a price of {$400.00}. The package was a XXXX XXXX XXXX roundtrip with XXXX nites at the XXXX XXXX. I should have none it was too good to be true. XXXX called me up and bumped me off my flight. They offered to put me on another flight for an additional charge of {$250.00}. Initially I booked it but then i cancelled it because I suddenly realized I was getting XXXX with my pants on. XXXX offered me a XXXX or XXXX XXXX XXXX. I tried to use it for my trip but I could not get booked on the days I wanted to travel. 

I had to rebook with XXXX @ a cost of {$520.00}. XXXX just ruined my favorite holiday, XXXX XXXX XXXX. First XXXX signs you up. Then they bump you. and then they fleece you for the price of another ticket. When you refuse to buy another ticket because you know you are being rooked, they say WE 'RE SORRY ABOUT YOUR EXPERIENCE WITH XXXX AIRLINE. The XXXX they offer is about as worthless as a XXXX dollar bill. You ca n't use it to get where you are going on the dates you need to travel. XXXX Airline is a flying clip joint. This is my first exposure to XXXX and it will be my last. I would not be caught dead on such a scam airline. 

The kicker is that their fine print and legalize traps flyers like a spider traps a fly. once they get you in their orbit they can manipulate you and gouge you for more money, like they did with me. The majority of XXXX passengers will make it to their destination via a spam in a can experience. XXXX knows that they are going to torpedo the plans of a lot of customers like me. They call it collateral damage. But it is part of their game plan and they can live with it. Afterall, it nets them a lot of money. And unfortunately it is all very legal. Legal but unfair and unethical. I would rather French kiss a rattlesnake than ever fly on evil XXXX. Their CEO is a pit viper named XXXX XXXX XXXX. How does he manage to sleep at night?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 Discover - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX {$4700.00}, XXXX XXXX  XXXX, XXXX {$1300.00}, XXXX XXXX XXXX, XXXX {$10000.00}, XXXX XXXX XXXX, XXXX {$57000.00}, XXXX XXXX XXXXXXXX, XXXX {$310.00}, XXXX XXXX  XXXX {$6800.00}, XXXX XXXX XXXX XXXX, XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.