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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX CXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX *Opened online account with Equifax *Attempted to lift a security freeze for limited time frame *System blocked me from being able to manage/lift the security freeze *Error message appeared stating " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' *Tried several ( AT LEAST 6 TIMES ) times to access and lift security freeze online without success *Tried to lift the freeze by phone - called at least 5 times *Entered all correct security information to verify my identity *Phone system message stated " we could not verify your identity with the information provided ''. 

*Sent written letter to lift freeze on my account *Freeze is still in place I AM ATTEMPTING TO LIFT A SECURITY FREEZE SO THAT A LENDER CAN RUN A CREDIT CHECK - EQUIFAX IS IMPEDING MY ABILITY TO COMPLETE THIS STEP IN BEING APPROVED FOR A HOME LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by EQUIFAX.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9300.00} /XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance {$16000.00} / XX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXXXX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX / Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX
Product: Credit card

On XX/XX/year> Capital One without telling me unexpectedly raised my credit limit to XXXX when it was at XXXX I tried to tell them to lower it because I am struggling already to pay it back as best I can which I have been doing this account is also blamed on my ex-girlfriend who constantly flooded my head and to opening this account anyway for a personal reasons since we're no longer together due to her fault I am left alone and trying to take care of this I tried to contact Capital One and spoke to them to see if they can help me lower it so I can finally pay it back in fully and they said no I have to pay this whole thing again up to XXXX now instead of {$1000.00} and nobody told me or warned me they literally just sent me an email which I still have a copy of saying that they raised it to {$1300.00} and they also said " Youve done a great job managing your account, so we increased the credit line for your account ending in XXXX from {$1000.00} to {$1300.00}. Life is full of unexpected events. We hope knowing you have credit availableif neededgives you one less thing to worry about. '' And now I'm already struggling and stressing enough trying my best even if it's just making small payments monthly or as much as I can per month without the interest taking more making me have to pay more even so
Product: Credit card or prepaid card

I contacted discover and citi bank in XXXX of XXXX  to inform them of accounts that were opened in my name. Since then I have tried working with discover ( XXXX validated my fraud claim ) and have gotten no where. I have sent them evidence showing where other people were using my address, where I was not receiving mail sent to me, where someone tried filing for unemployment in my name through state of California, at least 2 other people received mail from California employment department for unemployment, a list of minimum 15 other people using my address for theirs now I've lived at my address for 20 years and no one but my spouse myself and XXXX XXXX  receive mail I signed up for usps service to see what mail I should be receiving what day and multiple times I've not received all mail addressed to my home. I've sent documents showing where someone signed up at id.me and also tried to receive a small business grant. Discover still says I'm responsible for the account but when I ask for any information regarding the account I get shut down and told they can not g8ve me information because I said account was not mine.
Product: Mortgage

I was dbl charged for a mortgage payment XX/XX/2016. As soon as I realized what had happened I called to get the issue resolved. The representative at that time said there was nothing that they could do until they had proof that the check had cleared. 
The check cleared, The automatic debir payment also cleared at that time and I have sent their reps proof by sending electronic screenshots and copies of the bank statements to that effect. 

Evidently this is not proof enough for them. 
They want extra effort on my part to contact the back and receive additional documentation that the bank said they would provide for a fee. 
In effect I will be paying an extra fee to my personal bank in order to get the money I am owed from my mortgage servicer that they took in error in the first place. 
have been trying to get my money returned and the LOANCARE officers are making it as difficult as possible for me to get my payment returned. 
to resolve the problem I expect my money to be returned to me in
Product: Credit card

On XX/XX/XXXX, Chase contacted my wife about suspicious purchases on our joint credit card. Chase asked if we had purchased a little over {$8000.00} worth of items from XXXX XXXX. My wife confirmed that we did not make the purchases, and that this was a case of fraud. We then closed that credit card with Chase, and were sent a new card. 

On XX/XX/XXXX, Chase contacted my wife and said they had concluded their investigation into the fraud claim and that XXXX XXXX said the items were sent to our home address. We told Chase that this was untrue -- we never made the charges, nor did we ever receive any items. We told Chase we didn't even know what items were purchased. We asked Chase where the purchases were made -- they told us it was at a XXXX XXXX location in XXXX XXXX XXXX -- and we told them we had not visited a XXXX XXXX store in years. We also told Chase that we have made purchases from XXXX XXXX ( all online ) prior and subsequent to the fraudulent purchases on XX/XX/XXXX. We also confirmed that XXXX XXXX would have my wife 's name and address on file because of the other purchases. Chase said they would re-investigate the situation. 

On XX/XX/XXXX, we saw that all of the fraudulent charges were put back on our credit card, dates as purchases made on XX/XX/XXXX. In addition, we received a letter on our account from Chase explaining the amounts were being applied to or account because " You received benefit from this transaction ''. This is wholly untrue, of course, as we have nothing to do with the transaction. We called Chase to resolve the case, but were passed on to the disputes department who could not help us, and were told that we should call the fraud department again ( even though they had already ignored our report the day before, and applied the amounts to our card ). Meanwhile, there is a more than {$8000.00} charge sitting on our account gathering interest... 

Overall, we are absolutely shocked at our treatment by Chase, both because they have imposed this huge charge on our account ( which is essentially seeking to reward criminal activity ), and also because they are in effect accusing myself and my wife of being lying fraudsters. As a long-standing customers of theirs, it feels even more personal.
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 customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX XXXX  XXXX XXXX OF THE XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.
Product: Checking or savings account

The latest incident happened last month, around XXXXXXXX XXXX XXXX when the bank Wells Fargo, posted a charge to my account but with no phone number for the company that the XXXX., {$49.00}, was sent to. I am disputing the charge because, although the merchandise was delivered, it was of such poor quality and not actually a sweater, as described and pictured, but more of a cheap jersey material. This item was meant to be a gift for my wife but is of such inferior quality that I would be embarrassed to give it to her or for her tow wear it. The problem is also that this, problem, i.e., charges with no phone number and, often, a merchant name on the record of the charge that does not match what was online, making it very difficult to be certain that it was actually a transaction I attempted to make, much less one that, if necessary due to a problem such as size, quality, wrong color, etc. could be resolved. Banks are handling our money and I don't think it is too much to expect that, before they give funds to a merchant, the merchant be required to provide contact information, a physical address in the U.S. where, if needed to resolve issues, that could be accomplished. If that info. can't be provided then legislation should be passed prohibiting financial institutions from allowing charges from such firms.
Product: Mortgage

I can not seem to get a straight answer from anyone at Wells Fargo Home Mortgage. 
What i want to know is why have i not seen any of the proceeds from them trading my mortgage? It was not disclosed to me at the time of closing. I allowed for either XXXX XXXX XXXX XXXX XXXX or Wells Fargo Home Mortgage to take my mortgage and turn it in to a mortgage back security. I assumed it is Wells Fargo because they became my Mortgage company shortly after the closing of my house. 
All i know is that my Mortgage note is a mortgage back security and that it generates a profit. That profit is to be put towards my Mortgage payment. I have not seen any of the proceeds from the mortgage back security. and i would like to know why..
Product: Checking or savings account

I received a US Bank Reliacard in the mail Saturday, XX/XX/2021. I activated it because I thought it was the XXXX XXXX card I was expecting, ( had to close my original due to fraudulent charges ). I then decided to call US Bank to cancel the account and they said it was opened by the Ohio dept. of unemployment services. 
In the meantime, I put a freeze on new credit accounts through XXXX. I verified on XX/XX/XXXX that a new inquiry had been placed by the US SBA.
Product: Money transfer, virtual currency, or money service

I've been trying to login to my account but am told to contact you XXXX but have heard no response and was on the phone for an hour with no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I became aware of a security breach where consumer data held by was compromised. Upon reading the news, I followed links to Equifax 's security website that was handling consumer inquiry about the breach : w
ww.equifaxsecurity2017.com On this site you would enter your name and the last 6 digits of your social security number, and you would be notified immediately if your data may have been compromised. WHAT I DID N'T KNOW is that Equifax had hidden Terms of Use for using th
is service that included waiving my rights to file lawsuit for damages and join in any class action suit against Equifax.
Upon using the service, I WAS NOT ASKED TO ACCEPT ANY TERMS OF USE. They were hidden behind an incredibly small link, and it was unclear what terms of use - if any - actually were when using the service.
This is absolutely unfair and strikes me as fraudulent and negligent. Upon being breached, this company has a duty of care to notify consumers if their data may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they waive their rights. Consumers should be protected from such coercive and opportunistic tactics.
I believe that Equifax knowingly and willfully advertised this service with the intent to deceive consumers and to take advantage of their panic to coerce them into waiving the rights afforded to them by the CFPB and other regulating agencies.
Product: Debt collection

On XX/XX/20 I checked my credit report and realized there was a debt collector trying to collect a debt that that I have no knowledge of I have never heard of Phoenix financial services nor have i signed nor enter any agreement with them nor there affiliate
Product: Debt collection

I received a call from XXXX XXXX XXXX XXXX XXXX XXXX. The number on my phone was XXXX, however, I was asked to call back XXXX x XXXX. 

XXXX proceeded to state that this was the last attempt to collect a debt from Check n ' Go that occurred in XX/XX/2012 in the amount of {$100.00}. He proceeded to state that after several attempts to contact me of this debt, that Check n ' go retained his companies services to determine if the cases should go to court, and that if I paid today he could make the issue go away. 

I asked XXXX to verify the address, and emails they attempted to contact me and when. He provided obsolete contact information, that did not align with the living situation in 2012. In fact, financially we were secure, so there was not a single visit to a Check n ' Go. 

I asked for him to email or mail me the information to verify it s value, indicating that I am not refusing to pay if this is a legitimate debt. I frequently review my credit report, and never once has this debt appeared on my or my wife 's reports. 

XXXX then state then I am going to refer this to court, since your refusing to pay. I again repeated, I am not refusing to pay, however, it is not possible to pay for a debt that has not appeared on my credit report, nor aligns with the circumstances of 2012. 

I proceeded to ask you did not indicate this call is being recorded, however, if so, ain't I repeat I am asking for additional information to prove this debt, I am not refusing to pay if it is legitimate, and that I request ou update the information by sending me an email to confirm the debt and its associated documents. He refused, I gave him my email, and after an hour nothing is received. It appears this is a scamming agency, however, they did have the last four of my social.
Product: Prepaid card

American Express Serve cancelled my card. They were suppoed to send me a check with the remaining funds attached to it but never have. This was over a month ago and they told me on a recorded line that it would have been sent out within XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

in reguards to the following accounts they are in violation of us 1666b sec 2 which states that If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
They are also in violation of 1681i which also states Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX address ... XXXX XXXX XXXX XXXX tx XXXX XXXX, XX/XX/2022 XXXX XXXX XXXX XXXX  Acct # XXXX address ... XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX dates ... XX/XX/2022 XXXX ) XXXXXXXX XXXX XXXX  Acct # XXXX address XXXX XXXX XXXX XXXX XXXX wa XXXX dates ... XX/XX/2022, XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. 

Despite explicit requests for reinvestigation directed at Equifax regarding the following accounts : XXXX : XXXX, XXXX : XXXX,, their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. 

Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. 

The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. 

These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. 

Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.