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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX  business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XX/XX/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

I am writing to formally dispute the fraudulent accounts and hard inquiries appearing on my credit report and request that they be blocked and removed immediately under my rights outlined in XXXX XXXX. XXXX ( a )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquiries were fraudulently opened or initiated without my authorization. 

Below are the details of the fraudulent entries : XXXX Accounts : XXXX. XXXX of XXXX, Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX, Account # XXXX XXXX Credit XXXX XXXX XXXX Account # XXXX Fraudulent Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act by Experian Dear Sir/Madam, I write to formally lodge a complaint against Experian concerning the erroneous and misleading reporting of an account linked to Police and Fire FCU ( Account Number : XXXX ) on my consumer credit report.

**Factual Background** : - Experian has persisted in representing this account as accurate, notwithstanding my successful dispute with XXXX, which culminated in the removal of said account from my credit profile. 
- This inconsistency raises substantial concerns regarding the reliability and validity of Experian 's verification process.

**Legal Basis** : - Pursuant to 15 U.S. Code 1681i, consumer reporting agencies are mandated to expeditiously delete any disputed item that has been determined to be inaccurate or unverifiable. 
- The conflicting results from the same financial institution signify a potential failure in Experian 's compliance with the statutory obligations established under 15 U.S. Code 1681 ( a ) ( 2 ), which necessitate that consumer reporting agencies uphold standards of accuracy and integrity in reporting.

**Impact on Consumer Rights** : The ongoing reporting of this inaccurate account has inflicted significant harm upon my creditworthiness and overall financial well-being. Such conduct contravenes the principles enshrined in the Fair Credit Reporting Act ( FCRA ), which underscores the necessity for fairness, impartiality, and consumer privacy. 

**Demand for Remedial Action** : I hereby demand the immediate expungement of this erroneous account from my Experian credit report. Enclosed, please find pertinent documentation from XXXX that corroborates my assertions. 

I respectfully implore the Consumer Financial Protection Bureau to undertake a comprehensive investigation into the practices of Experian in this matter. I anticipate your prompt and thorough response to address my concerns. 

Thank you for your immediate attention to this pressing issue.
Product: Debt collection

A new collection for {$400.00} for XXXX XXXX ( also called XXXX XXXX  ) appeared on my credit report ( collection date XX/XX/2016 ). I called Aldous Associates ( claims to be a legal firm ) and they were not able to share any information about this debt or account information. I called XXXX and they have no record of this debt. 

I never received any notification from XXXX or XXXX or Aldous Associates ( Collection agency ). I suspect this may be a fraud. 

I am refinancing my mortgage and this is affecting my approval and interest rates. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX PL XXXX XXXX XXXX VA, XXXX XXXX XXXX CT XXXX OH, XXXX
Product: Checking or savings account

My complaint is against XXXX/Netspend for not depositing my payroll check. My check was suppose to be deposited into my bank account last night ( XX/XX/XXXX ) and I have not received anything! XXXX has a recording stating that the issue is ACH but have no estimated time of when the issue will be fixed. I have been on hold with Netspend for over an hr and a half! No one has any answers! It is scary that someone can just take my paycheck like that. I have small children, no money, no one to get money from, my electricty is scheduled to come out today and if I dont pay it, it will go off! I work from home and i need my electricty to operate. This is beyond ridiculous and illegal. After reading multiple reviews online, people have been waiting for their deposits since last Wednesday! We have not received any notice about anything. How am I suppose to do anything without any money? NETSPEND & XXXX ARE THIEVES!!!!!!
Product: Credit reporting

Yesterday I received a letter in the U.S. Mail from " Equifax '' dated " XXXX XXXX, 2015. '' Last month I had wrote to " Equifax '' stating that under " Personal Identification Information '' section of my " Equifax '' credit file that I was also known as " Formerly Known As : " XXXX XXXX. XXXX. '' My full name is and has always only been " XXXX XXXX XXXX, XXXX '' I do n't know anybody nor have I ever used the name of " XXXX XXXX. XXXX. '' And when I called " Equifax '' they also refused to " delete '' this " Identity Theft '' information on my " Equifax '' credit file.
Product: Prepaid card

I filed a dispute with Direct Express on XX/XX/XXXX concerning XXXX unfamiliar charges totaling {$230.00} on XXXX different days in XXXX XX/XX/XXXX, all to XXXX XXXX, obviously for some electronic service or game play, numerous charges per day with most being identical in amount, I did exactly as I was instructed, completed and returned all paperwork by mail promptly. On XXXX all the charges were reversed back to my account and nd on XX/XX/XXXX the were reversed again off my card, I can not get any explanation at all. And when I ask to speak with a supervisor Im hung up on, Ive tried XXXX calls with the same behavior from customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT ON MY FILE. THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT WAS INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submitting the necessary documentation and evidence to support my dispute, Equifax has consistently responded within XXXX hours, stating that the account is accurate without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of disputed information. Additionally, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. 

XXXXXXXX XXXX XXXX Equifax Account # XXXX Equifaxs failure to adhere to federal guidelines has negatively impacted my creditworthiness and hindered my ability to obtain credit opportunities. I urge the CFPB to take appropriate action to ensure Equifax complies with federal laws and provides consumers with the required proof of a thorough investigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

My mother paid off an entire bill when it was due last month and still got charged interest or late fees How can that be? ( we had joint accounts because I was repairing my credit ) I was making monthly payments as well but Capitol One kept telling my mother that no payments were made for months, ( my bank statements will verify this is not true ) We requested for the account to be closed permanently and was charged a fee. Capital One has the worse customer service, banking issues and credit account problems. Capital One uses a call center with most of the customer service people didn't understand what I was saying and kept putting me on hold, a manager I spoke to wasn't helpful. I want this account CLOSED, my mother called several times and yet this account is still open. I called but was told since I am not the primary account holder I can not closed the account. This account is still open. 

How many phone calls and complaints does a person need to make in order to close a credit card???? 
My mother and I have called to close this account and to no avail late fees/ interests were charge after it was paid off.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Attention SERVICE RECOVERY TEAM XXXX XXXX XXXX PLEASE NOTE THAT I AM ADDING INFORMATION TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I MADE A PHONE CALL TO FED LOAN SERVICING PHONE ON XX/XX/XXXX, AND SPOKE TO XXXX, ID  XXXX She informed me of my : Pay off age : XXXX yrs old Pay off amount : {XXXX0}, XXXX would not lose years paid into income based repayment plan prior. ( 6 years paid to XXXX would roll over to this plan ) General information to consider : I've made 13 years of loan payments total ... I paid $ XXXX month for 5 years ( XXXX ) before income based plan with XXXX XXXX XXXX I left XXXX in XXXX to seek a company that practiced ethics, which I thought was Fed Loan Servicing. 

In XXXX when I was applying for the loan, with Fed Loan Servicing I was told I would receive credit for the years I was on the income based plan prior Fed Loan Servicing by the person fed loan servicing gave that responsibility to. ( XXXX, ID  XXXX ) Now Im being told that I lost the 6 years that I paid into the income based plan because of the loan consolidation, which will cost me {$28000.00}. 

I chose Fed Loan Servicing because XXXX was not forthright in sending me a complete break down of my loan payments until I filed a formal complaint with Consumer Finance Protection, which took nearly year to resolve. 

No actual prospective payoff dates are given with the way the system is set up now, since borrowers must reapply for income based plans annually. Adding six years of payments to my existing program puts me into my mid 80s to complete this loan. ( a 35 year loan, with interest. 


Loan forgiveness plans are confusing and the borrows are told conflicting information concerning payments. I was told on two accounts that I must consolidate my loans in order to qualify. 

This results in large systemic ethical lapses, and consumers like myself are forced to be very proactive in rectifying poor lending practices, and lack of information given.
Product: Mortgage

The mortgage servicer, XXXX, who is sub-servicing my loan on behalf of Guaranteed Rate, double paid my property taxes that were due by XXXX ( despite my numerous calls to them, explaining and proving that all taxes due by XXXX have already been paid ). Now due to the duplicated payment of property taxes which was the servicer 's fault, they are stating that I have escrow shortage and want to increase my monthly payment by {$700.00}, while my escrow account should have never had escrow shortage. 


They have mismanaged the funds in my escrow account, and are creating a big payment shock to me which is putting me at risk of defaulting on the mortgage.
Product: Debt collection

This letter is in reply to your letter dated XX/XX/2023, in response to my complaint dated XX/XX/2023. In my letter dated XX/XX/2023, I disputed the {$850.00} debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you forwarded copies of monthly credit card statements. Credit Card statements are not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by Law. 

Furthermore, the credit card statements do not verify nor confirm my personal information. Specifically, my social security number. I received a debt validation letter from the original alleged creditor, XXXX  XXXX and as indicated in the attached debt validation letter the social number associated with the alleged debt is NOT my social security number ( last 4 ). 

I have attached a copy of your initial response, as well as the letter from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is supposed to be deleted has been stated on a previous complaint but still showing on credit report as open. 

XXXX is supposed to be deleted in which it has been stated on a previous complaint but still showing on my Equifax, report as open. 

XXXX XXXX, XXXX, equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the account. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, Equifax, XXXX has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX account is too old to be on credit report and it was disputed and declared as deleted
Product: Payday loan, title loan, or personal loan

the original creditor according to my XXXX  credit report is XXXXXXXX XXXX- which i had fraudulent activity immediately on my account after applying online to this " payday loan '' i had to report and investigate it with my bank account. my bank investigated and for my safety closed my account and reopened a new one. 
National Credit Adjuster LLC bought this debt and refuses to resolve the fraudulent activity and marketing XXXX XXXX caused on my account. I have disputed this on my XXXX credit report with no luck of any resolution. 

original amount is XXXX opened on XX/XX/2019 account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX. XXXX XXXX XXXX, FL XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX  a high credit of XXXX and Experian high credit as XXXX, and XXXX  as deleted. First, you can not report different credit limit amount between credit bureaus. Second, you can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

Delete this account from my credit report immediately, or I will seek legal action. 

I`m requesting that both the CRA and the original DATA FURNISHER to supply me with proof that you both are in complaint with the FCRA and more specifically with the industry standards of reporting electronically. 

I just received an updated credit reports and XXXX  and XXXX   has deleted this account. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, original company must have an original contract on file bearing the signature and can not use third party information to collect a debt. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. In addition, XXXX  have already deleted this account from my report as it was found inaccurate. 

Delete this account from my credit report immediately, or I will seek legal action.
Product: Money transfer, virtual currency, or money service

Someone went on to Quadpay ( changing to XXXX XXXX ) on XX/XX/2021. Originally they tried to use my phone number to access my account and couldnt because the verification code was sent to me- so they further changed the phone number to gain access. 

They made two purchases using my name, address, and email. Only changing the phone number. The credit card they are using does not belong to me. It is possible that the credit card they are using is stolen, and that is why the hacked someone elses account to make the purchase instead of using their own account. 

The credit card they are using is listing my name and address as belonging to the credit card. I can only see the last 4 numbers of the credit card which is Visa - I have double checked all my cards and this does not belong to me. 

I have reached out to quadpay since XX/XX/2021 via the customer service chat and again, on XX/XX/XXXX via email and again on XXXX XXXX with no response or help with this issue. 

I was able to log in using my email address to see the transactions - both to the same merchant which I cant find any information for - 1 purchase for XXXX $ and another for XXXX $ to a merchant called XXXX the phone number listed with the order, I called with no answer. 

I would like this to be noted and taken care of as I do not want any fraudulent behavior associated with my name or information. 

Thank you so much.
Product: Checking or savings account

I received an email stating the I opened a Frost bank account as of XXXX using my married name of XXXX. I have been legally divorced from my ex husband since XXXX of XXXX  and I have NEVER used that name to open anything since before XXXX.