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

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equilfax 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am disputing a fraudulent American Express account that was manipulated in my name. Despite multiple attempts to resolve the matter with American Express, I have been met with unhelpful responses and repeated redirections. Due to the age of the disputed debt, American Express continues to provide account statements but refuses to investigate or dispute the fraudulent activity. Their customer service, primarily outsourced to foreign call centers, has been unable to assist me effectively. I am requesting the immediate removal of this fraudulent account from my credit profile and for American Express to cease reporting this inaccurate information to the credit bureaus.
Product: Debt collection

Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company IC SYSTEM is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15.

The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( IC SYSTEM ) to review the documents I provided.It would be the IC SYSTEM legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, that is due on XXXX XXXX. 

I don't consent to you marking my CFPB complaint as a duplicate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}
Product: Debt collection

The car was a mess and broke down on me regularly. I ended up being laid off because of XXXX. I was unable to make the payments. I have not received anything from his company about the debt and I was garnished for the first time today XX/XX/2023 I had no notice of the garnishment by the company or my employer. I called the collection agency to try and make payment arrangements and they would not. Today {$280.00} was taken from my check and I owe a total of {$5800.00}. I can not afford to have this amount of money. Come out of my check every pay period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency, Equifax, recently allowed my credit report, and personal information to be stolen from them. They were negligent and careless with internal controls.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with XXXX and XXXX XXXX. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXX XXXX  XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, XXXX, Equifax and XXXX continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , the Equifax credit reporting agency , and XXXX XXXX ( XXXX XXXX  ), block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX  XXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX and Equifax, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX  that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.
Product: Checking or savings account

Blocked my account for fraud for a paycheck I got from work department of children and families.. which I clarified on twice they decided to still close my account and Im not able to access my money and thats my only money they said I can go to the bank to get the money if needed sooner because it takes 60days which I did and the bank said they cant give me.. I already called and clarify that its a legit paycheck. And I just need my money
Product: Debt collection

Company and their attorney sued me on the XXXX day of XX/XX/2022 after I send them a Cease & Desist letter on the XXXX day of XX/XX/2022 via certified mail with return receipt request to the company and their attorney.
Product: Checking or savings account

Un-signed withholding documents. Transaction coded as a tax levy however Bank of America is unable to furnish supporting documentation for deductions against the account. Internal fraud. See attachments.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification from TransUnion that I have a inquiry on my credit report that I did not authorize nor did I give the company concent to pull my report
Product: Debt collection

This is a complaint against STELLAR RECOVERY INC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Checking or savings account

Im trying to dispute charges made by a hotel on XX/XX/XXXX. I did not stay at the hotel that charged my credit card. I did book the room however when I got to the XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. The room was disgusting, it smelled like filth and cigarettes smoke. We didnt even unload our things because it was so bad. I wasnt even in the room but a minute at best. I immediately went and asked for a refund. However the hotel refused and the bank said its up to the hotel. The charge was made at first for {$85.00} plus {$30.00}. The hotel retracted the {$85.00} as well as the {$30.00} charge and turned around and charged the full amount on one charge. The finial amount which was actually deducted from my account was {$110.00}. The hotel is refusing to give me my money back and the bank First Financial Bank, XXXX, Texas XXXX said there is nothing they can do when the business is refusing due to a no refund policy. The hotel refuses to give me a receipt but I have the XXXX XXXX account and it shows the original charge that I signed for was for {$62.00} not {$110.00} which is what was taken from me. Ive filed with the XXXX  in XXXX  as well as disputing with my bank.
Product: Debt collection

I have been faced with difficulties involving my credit. I have accounts that have been reporting on my credit for some time now that are not mines. I have no idea to how this could have happened nor taken place. These accounts are the result of an identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person!
Product: Debt collection

This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with my bank. It was denied, with the reason being " insufficient credit file. '' It said I could get a free credit report from Experian , Inc. 
Then the HELLISH NIGHTMARE began. Over the next week, I could not open an account on Experian 's website. I tried everything. It was a maddening, insane experience. The next week I started calling their toll free number. I would wait upwards to a half hour each time I called. All during each call a voice would say that it was only a " XXXX minute wait. '' That, of course, was complete nonsense and BS. After a week of calling, I finally reached someone. She was extraordinarily unhelpful. She did say, finally, that I could use the U.S. Mail and mail in proof that I exist ( for the record, I do ). 
I mailed Experian the following documents and information : Missouri drivers license XXXX XXXX utility bill Missouri Bar license Kansas Bar license Department of Veterans Affairs identification card XXXX XXXXXXXXXXXX XXXX statement XXXX XXXX XXXX statement Full legal name : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( please note XXXX Ive lived XXXX this address continuously for XXXX XXXX & Ive never missed or was late for any monthly rental payment ) Phone No. : ( XXXX ) XXXX Experian 's Report Nos. are XXXX and XXXX I eventually received in the mail a nonsensical response. It stated, in part, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary matter, we have not taken any action.... ). 
Please note. Experian 's website has a prominent section stating how to send this dispute by mail to them, and stated to send in the documents and information I listed herein. Also, the most unhelpful lady I spoke to on the phone told me to do this too. It was a completely futile undertaking. 
This company should not be in business. It is in complete violation of federal law, making it short of impossible to request anything from them, and does nothing but respond in nonsensical ways. I ask that their credit issuing license, or whatever, be suspended. The company engages in outrageous and unconscionable behavior as a matter of established practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked via the Equifax security breach, as indicated from https : //www.equifaxsecurity2017.comXXXX Likely due to the above issue, my credit card was used fraudulently on XXXX XXXX, 2017 in the amounts of {$40.00}, {$7.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Department of Education has failed to place the correct loan status of forbearance on my credit reports with XXXX, Transunion, and XXXX XXXX XXXX XXXXXXXX XXXX has failed to furnish all Promissory Notes and Master Promissory Notes and all Payoffs received on all loans be serviced by XXXXXXXX XXXX XXXX Department of Education.
Product: Mortgage

I sent a {$3000.00} Principal Only Payment to my mortgage company on XX/XX/2020 and they took out interest. 

Every time I make an extra payment to my mortgage company requesting it be applied to principal ONLY they always take interest out. I have to follow up with a call and they reverse it and apply it to principal. This time I have called 5 times and each time they refuse to fix it or put a manager on the phone. They promise someone will correct it and contact me but they have not followed through. 

I sent my XXXX payment on XX/XX/2020 and that is the payment that interest should have been taken out. 

I sent an email as well as advised by one of the representatives breaking down the payments but still no response. 

Thank you for your help in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On yesterday I spoke with Experian employee over the phone over an open dispute as well as disputes I have filed in the past about an account Im asking to be removed from my report. I have continued to demand the account from Attorney General Child Support be removed on MANY violations Experian has violated with the FCRA. The representative told me he saw the disputes, but they will continue to stay on there and not to worry about it because I dont have a past due balance at the time. THEY ARE KNOWINGLY AND WILLINGLY keeping this on my credit report. However, the account is hindering me from buying a home. I am now asking that Experian be notified they are in violation of the FCRA violation privacy right 15 US Code Q1681 ( a ) ( 4 ) and remove this from my account immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. I this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

XXXX was taken from me from the last 3 months. My cards have been stolen along with my phone multiple times. I filed fraud with the bank. They refunded me XXXX and said they would send me a letter. The letter said that I made the purchases. Which I didn't cause my card and phone was stolen. They just took all my pay from my job and my rent money today XX/XX/XXXX. They took everything from both my savings accounts.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I do not remember receiving any validation from this company. If XXXX can not validate this information this account needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Product: Mortgage

I am delinquent with my home mortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. My mortgage company is Ocwen and they are reviewing me for a loan modification. I need help getting the sale date postponed to give more time for the review. Any assistance you can provide is appreciated, thank you.