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

iDear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding my inability to access my Equifax credit report. Despite making multiple attempts, I can not generate my credit report from Equifax, and no one else has been able to access it either. I have not blocked or restricted access to my credit report, and this issue is not related to any action on my part. 

This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly under : 15 U.S.C. 1681g : The right to access my own credit report.

15 U.S.C. 1681i : The requirement for credit reporting agencies to maintain accurate, accessible, and up-to-date information about consumers.

I am unable to view my credit information, and as a result, I can not assess my creditworthiness or resolve any potential issues that may be affecting my report. Furthermore, this issue may prevent potential creditors, landlords, or employers from viewing my report, which is a serious violation of my ability to engage in financial and contractual transactions. 

I request that the CFPB investigate this matter and assist in resolving the issue with Equifax. I seek to regain full access to my credit report and ensure that it is made available to third parties, as required by law. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX
Product: Debt collection

the collection agency NCC, phone # XXXX, repeatedly call my number and asks to talk to someone that is not me? 
I informed them that I am not the person they are trying to contact and requested on several occasions to not call my number and, to remove my contact information from their files. 
I spoke to a supervisor, XXXX XXXX and informed him of their continued ignoring of my requests. They continue to call with being very verbally abusive with using threats & foul language. 
Now I have resorted to do the same behavior. 
They have called on the following dates & times ( cst ) XX/XX/2016, XXXX cst ; XX/XX/2016, XXXX ; XXXX, XXXX ; XX/XX/2016, XXXX.
Product: Mortgage

I just got a new home and our broker did our loan with a mortgage company in CA, by the name of Nations Direct Mortgage and it looks like someone in that company got in hold of my wife and my personal information including Social Security, income information and more and are starting to setup fraudulent credit account and utility services ( Wireless account ) in our name. 

My wife and I work in the financial system and we are extremely careful with our private information, after evaluating the address were the mortgage company is located and the address of the places the individual who stollen our personal information had comited the crimes we had come to the conclusion that the only place were our personal information was expose was at the mortgage company already mention. We had file a police report and we had start an investigation in order to find the responsible paerson.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I initiated payment using Wells Fargo 's bill pay system for property taxes to the XXXX XXXX ( FL ) tax collector in the amount of {$6200.00}. 
This payment was due by XX/XX/XXXX to qualify for a 4 % discount. My record from the bank shows it was sent on XX/XX/XXXX XX/XX/XXXX - I checked with the tax collector to see if the payment had been received as it had not cleared. 
They had not received payment as of that date. I showed them a proof of payment indicating when the payment was initiated. 
XX/XX/XXXX - I again checked in with the tax collector. I spoke to XXXX XXXX? ) who said she would check with the person who was actually processing the payments to see if it had arrived. It had not posted yet. The person processing the payments is onsite. I was present during this phone call. The person processing the payments said my payment had just arrived. It was in an envelope with a number of other checks, the latest of which showed a date of XX/XX/XXXX. There was no postmark on the envelope as it was a commercial XXXX. 
My complaint is the bank debits the funds immediately from my account but does not send them when they say they do. Assuming my check, mailed with a number of others, was mailed on XX/XX/XXXX ( the date of the most recent check in the envelope ), that is two weeks later than they indicate on the proof of payment. When I call the bank, they just regurgitate the date that is on the check. I did file a complaint in writing and their response is they batch payments going to the same address and that's OK. Obviously, tax payments are time-sensitive and that makes this deception that much more egregious. I believe that their bill pay practices are deceptive as the implication with the proof of payment is that it is sent when the payer initiated the payment. It is not. Additionally, what are they doing with my money in the two weeks from when they debit my account to when the payee actually gets it? In my book, this is fraud. I don't have a problem with batching payments AS LONG AS THEY ALL HAVE THE SAME DATE AND ARE MAILED WHEN THEY SAY THEY ARE MAILING THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error for an account that I had with XXXX XXXX credit card with XXXX, experian & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Transunion credit report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Comenity Bank is the issuer of a XXXX XXXX XXXX XXXX XXXX store credit card. I paid the recommended amount of {$350.00} or more every single month ( not the minimum payment of approximately {$60.00} ) in order to avoid being charged an accrued interest payment at the end of an 18-month promotion. The last statement makes a note to list the end of the promotion period, which is a mid-month cut off date. But, the MAIN landing page of the credit card website with the ACCOUNT SUMMARY makes no mention of the end of the promotional period. The ACCOUNT SUMMARY portal on the website is where payments are made and where they recommend how much to pay on a monthly basis. The fact that the end of the promotion was not clearly identified in the ACCOUNT SUMMARY section of the website or not identified in the payment portal is very deceptive in my opinion. To my knowledge Commenity made no effort to provide email communication or notification on the main landing page of the website that the promotional period was ending or that a {$980.00} finance charge would be assessed if I did not make one last small payment of {$210.00} in the middle of the month. Further more because it was XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card and I only made 2 purchases on that credit card there would be no routine reason to check credit card statements. One of the primary reasons that people check a credit card statement is because the want to verify their purchases and make sure that there are no mistakes in their purchase history. I believe that Comenity is counting on the fact that due to the nature of the store credit card, where people clearly remember what they purchased, that they will not go ahead and read the credit card statement as they would with a traditional ( non store specific ) credit card. Comenity 's belief that consumers will not read the statements is the reason that the notification of the end of the 18-month promotion can only be found on the statement and is not identified in any other way by Comenity bank. 

In short, I believe that Comenity bank acted deceptively and they are unwilling to credit and remove the accrued interest charges. 

I will attach my statements as well as a screen shot of the Comenity Bank main landing page and XX/XX/2019 emails that I recieved from Comenity Bank.
Product: Credit reporting or other personal consumer reports

This is in regards to the Equifax Data Breach Settlement. The extended claim date has passed to file a claim but My data was proven to have been breached and misused by the Settlement Administration for the lawsuit. So I wanted to file a claim through here.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired  on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance XXXX {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me getting it back up and going. 
I am not sure if this is a mistake as I assume it has to be. I have not been able to get help from them for a long time. But I could just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 XXXX XXXX XXXX was authorized to repair a light fixture in my pool for XXXX dollars. 0n XXXX was told due to complications it would cost me XXXX to do the repair which I also authorized. On XX/XX/21, the repair was not done and I was charged XXXX. I disputed the transaction since I had not authorized XXXX nor the repair was not done. Citibank informed me that even-though I had not authorized the the XXXX amount nor the work that I was being charged for was not done I was responsible for the charges. I have provided documentation showing the work was not completed and I had to pay another company to deal with the damages caused from XXXX 's XXXX XXXX  to no avail. I need your help. I believe Citibank 's decision on this matter is wrong based on the facts and logic and documentation provided. I should not be responsible for an unauthorized charge for a service not completed.
Product: Credit reporting or other personal consumer reports

I received a notification on my credit report for an unauthorized car loan with Westlake Services Inc. for {$14000.00}. Opened in XX/XX/XXXX. The account is late and my credit score has dropped XXXX points. I filed an identity theft with the Federal Trade Commission. I have made several attempts to get a response from Westlake service Inc XXXX, XXXX XXXX XXXX XXXX CA XXXX, to provide me information on the loan ato close it and report it as fraud. I have been calling since XX/XX/XXXX. Customer service agents have told me in server al occasions that the account is not in their system and they will put me on hold for long minutes then drop the call. This situation has been very stressful due to the lack of response from Westlake Services in assisting and taking responsibility to provide the documentation and support needed to proceed with my report and investigation of the identity theft. It has also cause a hardship since my credit score has dropped and I am potentially at loosing my borrowing power for future financial plans. I would like to request Westlake Services to respond to my claim as soon as possible.
Product: Money transfer, virtual currency, or money service

Someone withdrew {$1600.00} from my checking account using XXXX. I dont use XXXX . Dont know how to use XXXX XXXX Or even what XXXX is. But the money was withdrawn from my account without my permission or knowledge. The bank states I knew about it and I was involved in the withdrawal. This is wrong. I have tried to appeal the decision but was told it can only be reopened with new information. I dont have any new information. I only know it wasnt me or authorized by me. And now Im out the money. I feel like my bank is stealing from me as well. Isnt my money insured. Im not sure what that means but I need my money back.
Product: Vehicle loan or lease

I do not recall receiving the release of lien holder interest letter from COAF after paying off the loan during XX/XX/2021. I have attempted many times to simply request a duplicate be sent but have been unable to speak with a live person at COAF. COAF claims they update the DMV via electronic methods however as of XX/XX/2021, I received a letter today ( XX/XX/2021 ) from the Nevada DMV declining a copy of the title as the DMV 's records still indicate COAF as the lien holder still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023, I received a notification from XXXX XXXX that I needed to give attention to my XXXX account on my credit profile. When reviewing my XXXX report, it showed XX/XX/2023 payment as missed when indeed I made this payment XXXX XXXX, 2023 ( see receipt attached ). The report also show my last payment reported was XXXX XXXX, 2023 and current but reporting one 30 day missed payment. Equifax is showing XX/XX/2023 payment missed as well but current status. I'm not sure why this discrepancy keeps happening but I need both bureaus to resolve this matter quickly.
Product: Debt collection

Since XX/XX/year>, I have been receiving electronic communications from a company called XXXX XXXX, claiming a debt owed to XXXX, a buy-now-pay-later loan service. These communications come through text and email. Due to phishing concerns, I avoid opening any suspicious links sent via email or text. I am wary of the communication because I have not received any validation information via the United States Postal Service. I believe XXXX XXXX 's actions violate the Fair Debt Collection Practices Act as their electronic messages have turned harassing, oppressive, and abusive.
Product: Credit card or prepaid card

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Credit card or prepaid card

Netspend I purchased a card at XXXX which I had to give my I'd for them to scan now if I wasn't allowed to be a netspend customer why would they sell me a card and allow me to load my only money to it XXXX . I'm being punished twice cause my car was stolen and my previous card was used I disputed the transactions and of course the XXXX $ transaction they found error but the two {$1000.00} dollar ones in same day at same location was no error ... funny right well after all that I purchased a card and they won't let me get my money back I got kids to feed I'm already late in bills cause of previous situation I tried to get refund at store card is not activated they won't transfer to my wife 's account with them or XXXX XXXX it to me which I know is possiable cause XXXX XXXX a net spend supervisors told me she could on dispute if they found error please help me I'm bout to get eviction and I need to feed my kids XXXX
Product: Credit reporting or other personal consumer reports

researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Credit card or prepaid card

Someone hacked my amazon account, and used my chase XXXX card to buy {$360.00} worth of stuff from amazon. I didnt even have the card anymore it was cut up. I had just forgot it was still stored on my amazon account. I reported the charges as soon as I received the bill. They did an investigation and said it looks like I ordered the stuff so I was responsible for the charges. I filed a police report, they discovered it was not me. But they couldnt prove who it was so Chase is still saying Im responsible for it. I dont know what else I can do, its hurting my credit score. I have been dealt with this since XX/XX/2019. Help me please!
Product: Debt collection

The attempts to collect a ridiculous amount of fines and a made up settlement. XXXX XXXX XXXX. Policies to get out of a contract are predatory and impossible you end up paying for a full year no matter when you try to get out of the contract. Their practices need to be stopped, the contract is bias to XXXX and needs to be stopped. 


They dinged my credit for a nominal amount, I was subject to calls by credit agencies and letters and repeated harassment.
Product: Debt collection

On XXXX and again XXXX I discovered my wages had been garnished for a credit card ( {$310.00} and {$350.00} ) This garnishment is how I became aware of the debt. I have contacted both the collection company and card company regarding this matter. I have expressed my concern regarding the legitimacy of this debt. I resided at XXXX XXXX XXXX.XXXX XXXX  XXXX, XXXX, CO. XXXX from XXXX to XXXX and relocated to XXXX XXXX  XXXX, XXXX, CO. XXXX XXXX ( this is my current address ). I recall no mail received from the collector or XXXX XXXX during the 9 years that have past. All the paper work I have is attached. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO. XXXX. # XXXX. Thank You
Product: Debt collection

I operate an XXXX called XXXX XXXX XXXX, a levy from the State was submitted to US Bank from the State of California. The Levy was not placed on the XXXX but one of its members. The Levy was for a matter with one of the members of the XXXX nothing to do with the XXXX. 
The bank levied the XXXX account erroneously. There is no mention of the XXXX on the Levy. US Bank Stated that because it was from the State it had to be correct and they have to follow the States request. No matter what proof I showed them of their wrong doing, the State was right.

Also the Levy was served for the XXXX and the US Bank took funds made available on the XXXX.