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

I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX # XXXX .They sent me their investigation and said these accounts are complete and accurate. 1-I have never been late with the payments XXXX XXXX company is lying.I had attach the evidence that every time I dispute this information XXXX XXXX XXXX moving the late payments date again and again. XXXX XXXX is reporting my account as a shared responsibility with XXXX XXXX XXXX XXXX who did not have a SSN and never live in the USA because she enter first time to XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX was opened at XXXX an I had attached official documentation that proof it. XXXX XXXX requested to the report agency to remove the account information in XXXX XXXX XXXX credit report and although I dispute this inaccurate information in my credit report XXXX XXXX update keeping the same information in my report, then they report different in a join account ( 2 COSTOMERS, SAME ACCOUNT, DIFERENT REPORT ). I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case.Please check the documentation added.
Product: Credit reporting

Please review all the comments in the previous complaints fromTransUnion. Trans Union has been arbitrary in their research and assistance and just did not provide any fair form of adjustment in the wording of the account in dispute. Due to the length of time, I think Trans Union should not penalize me any further by reporting information that is wrong and of which they do not even understand what the court decisions assume has be completed by the attorney in the case. It appears that TransUnion did not investigate my complaint and faked having irrefutable information in support, refused to provide a copy of the irrefutable information which delayed my search, restricted communication to prevent proper investigation of my dispute from XXXX. I found the correct information that was the irrefutable proof I had a legitimate dispute. A copy of the certified letter I sent to Trans Union is attached to this complaint.
Product: Debt collection

FirstPoint - Collection Resources, INC Re : Dispute of Alleged Debt Account Number : XXXX To : XXXX XXXX I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ).

2. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX. Provide a copy of the original contract or agreement between FirstPoint - Collection Resources, INC that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXX v. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, P.C. XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

XXXX. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with Fields v. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. Confirm that this debt is within the statute of limitations for collection in my state. 

XXXX. Verify that you are licensed to collect debts in my state, as required by many state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I returned several items to my local Home Depot on XX/XX/2016. The receipt I was given showed XXXX separate credits, apparently because I 'd used different cards for the purchases. However, although XXXX of the credits did appear on my Citibank Visa ( for {$160.00} ), the other XXXX credits ( for {$25.00} & {$39.00} ) were apparently credited to XXXX different prepaid Visa cards. The problem is that because the XXXX prepaid Visa cards had already expired at the time the credits were issued, there is no way at all for me to access the funds on the card. I did call both gift card issuers and they confirmed that there is no way for me to use those funds. I do n't really understand how Home Depot could have credited these XXXX amounts, {$39.00} and {$25.00} to EXPIRED prepaid cards. It seems like the expiration dates ought to have come up on their computers at the time they attempted to process the credit. I should have been offered the option of a store credit, which I could actually have used. As it stands I 'm out a total of {$64.00} with absolutely no way to recover those funds. The identifying info on the Home Depot receipt is as follows : At the top of the receipt : XXXX XX/XX/2016 XXXX PM Cashier XXXX : *ORIG Rec : XXXX XX/XX/2016 XXXX XXXX At the bottom of the receipt : XXXX VISA $ XXXX XXXX VISA XXXX XXXX VISA XXXX Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Has pull a hard inquiry on my credit which I did not get approved for. Now I am trying to apply for an apartment and this is not allowing me from getting approved.
Product: Mortgage

I originally took this 30 year mortgage out with XXXX in XXXX. In XXXX XXXX recommended I refinance the balance at a lower interest rate and use their Bi-weekly Advantage Plan whereby I made the equivalent of two extra principal payments per year. This plan, administered by XXXX XXXX XXXX, would pay my mortgage off seven years earlier than the 30 years contracted. We took advantage of this plan starting in XXXX of XXXX. Last year XXXX turned our mortgage over to Mr. Cooper. And a few months ago XXXX informed us they would no longer administer the Bi-weekly plan and we would have to arrange a payment plan directly with Mr. Cooper. So I now have almost 6 years of extra payments on this mortgage through a plan that is no longer available. I have been trying to get an Amortization Statement from Mr. Cooper that will reflect my past payments, including the additional payments made, as well as what future payments remain and the settlement date. Obviously I want this information to insure I am getting full credit for the advance payments weve made. I expected this statement would be readily available. But after spending hours on the Mr. Cooper website and another hour with their customer service people, I was told I could only get this information by a special request to their research department. I have made that request as instructed via e-mail and advised them that the lack of this information is holding up the completion of a financial analysis by my accountant and to please expedite this report. But I have not gotten a response of any kind, nor have a gotten a response to my follow up e-mail asking for the status of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing as my last results to get his matte fixed before i have to go higher up to fix this, for i have contacted equifax XXXX  times by phone and i have aways disputed these items 5  times. There is a few matters here that i am very very upset about and a huge vilation of my rights and i want this matter fixed NOW!! I have sent in my papers that i needed for them to fix this and all they do is update that the dispute is finshed and nothing is done or update. Equifax is in violation of my rights and i am not going to let them harm my credit file anymore by not doing their job. To start with i have a few inquiries that are listed on my credit file that i have no acknogle of and i have contacted the companies and told they can not do anything since they have no record of me because i have no account with them, i have also sent in my id report stating this information also and still after two months and 5 disputes and 3 phone calls, why is nothing still not being done? Next there is a consumer statement on my credit report that i will attach a picture with along with this report, it is on my file as a statement that can be seen and also as if i wrote it, it stats in the statment something in the lines of " There should be no balance, past due balances XXXX  rmonthly payment on an acounnt no longer owned by the original company ths account has been transfered and needs deleted immediatley '', for i am not sure why they have this as my consumer statement and as i have proof of me disputing, calling in and asking for deletion of this false reporting information on my file, I do not have any past due or negative items or late payments or anything in that sense for this statement to make sense or belong with my credit file and i want it deleted NOW, it is false statment and gives false information on my file and that is another violaton of my rights. also i had disputed a account to make sure that it was reporting updated information on a auto loan and just to update it that it was paid off and 12  months of postive reporting payments for this account and instead of doing that equfiax AGAIN voilated my rights and went upon theirselves and deleted this account that showed my longest postive account and payment history and i am very upset about this, i can name 5 viloations they are doing and i am sick of it not gettin taken care and my rights not being taken into consideraction, so something needs to be done. If this is not taken care of by filling once again a complaint and then i know my rights and will go to the next step. My account that was deleted needs to be put back on and also these inquiries that i have no acknogle of needs deleted RIGHT now and also the false reporting consumer statement that is reporting false information and lies and these are all huge violatons of my rights. I will attach again my ftc report to this and hope this is all taken care of!! 

inqurie dates XXXX XX/XX/2020 - XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegitimately assumed the role of reporting information about me. I've reach out to Equifax ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone and USPS Certified Mail ( Tracking # s : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Equifax purposefully continued to commit fraud. Equifax unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Equifax committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Equifax also willing directly violated the XXXX Finance Code, Chapter XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Equifax admitted to my claims by attempting to redress this matter with monetary compensation of {$5.00} ( XXXX XXXX XXXX XXXX  cents Via Check # XXXX ) which is insufficient in comparison to the damages they've caused. Due to Equifax lawlessness I've suffered severe financial injury and grave mental turmoil. I've been denied extensions of my own credit in excess of well over {$100000.00} ( XXXX XXXX XXXX Dollars ).
Product: Debt collection

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I applied for 2 remote data entry positions through Upwork.com and was selected to interview for both, the interview was exactly the same, communicated using XXXX app Company 1 : XXXX XXXX Username : XXXX XXXX XXXX and Company 2 : XXXX XXXX XXXX XXXX XXXX : XXXX I was instructed to sign 2 offering letters, then provide Name, Address, and phone number in order to send Equipment ( laptop with security software, printer, etc.. ) to me for work. I was then informed that I will responsible for the payments to the vendor prior/upon delivery of equipment 's and that the funds will be provided by them. They proceeded to send me a picture of printed checks and instructed me to proceed with a mobile deposit XXXX Bank of America ), one in the amount of {$2300.00} ( BoA confirmation # XXXX ) and the other in the amount of {$1900.00} ( BoA confirmation #. Once I was completed, I was told to send proof that I completed the deposit and was asked to proactively go ahead, and send money to separate vendors. I did not agree to do so and informed them that I had to wait for the funds as I didn't have any and will do so after. XX/XX/2022 I was at the airport and tried to multitask ( sending money to vendors and deal with travels ). The funds were available by morning so I proceed to process payment to the vendors. I failed to process payment through ( XXXX ; XXXX XXXX, XXXX and XXXX; didn't allow me to add my card ) so I was instructed to complete all transfers through XXXX platform and sent screenshots of proof. Transfers completed by the following separate amounts ( Was in a hurry to go have lunch in piece with my family after picking me up from the airport ) For XXXX vendors : {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), For XXXX vendor ; {$1100.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ) {$350.00} ( ( XXXX XXXX ; XXXX ; confirmation # XXXX ) I have reached my daily XXXX transfer limit of {$3500.00} so this is where my transfer had stopped. It didn't dawn on to me that I was being scammed until I finally sat down and ate while excitingly sharing with my family members of my new job offers. 
I was then transferred to the BoA XXXX department to explain of what happened and without notice, I was sent to a automatic notification where it tells me that I will receive something in the mail and that a new card will be sent to me then the call ended. ( This complaint has nothing to do with my card. Only unauthorized XXXX transfer ) It has been close to 30 days now and I still have not received anything in the mail other than the notification that I was charged for the amount that were stated in the checks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to its negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. Despite several attempts to dispute inaccurate and unverifiable information on my credit report directly with Equifax, the company has failed to conduct a thorough investigation as required under the FCRA. 

I have repeatedly requested detailed information and documentation regarding the accounts in question, including proof that these accounts are valid, accurate, and verifiable. To date, Equifax has not provided the requested information, nor have they resolved the inaccuracies on my credit report. Their lack of action demonstrates negligence in their duty to ensure the accuracy of my credit file. 

Due to Equifax 's failure to comply with the FCRA, I have suffered financial harm, including denied credit applications, higher interest rates, and emotional distress. I escalated this issue to the CFPB because Equifax has continuously ignored my prior disputes and failed to address the errors. It is evident that Equifax has not fulfilled its obligations to conduct a proper investigation or provide me with adequate responses. 

If Equifax fails to comply, I reserve the right to seek further legal remedies, including pursuing damages under Section 1681o of the FCRA. 

Thank you for your assistance in ensuring this matter is addressed appropriately.
Product: Checking or savings account

I am XXXX and have a checking and savings account at Wells Fargo and I live in two places because I am trying to get a permanent home and have been on XXXX for 16 years so my income is low. I had around XXXX dollars In savings to get a safe place to live its been 8 years since I have been in a home of my own. I have a XXXX  XXXX so I looked at my bank statement and there had been XXXX withdrawals over a month or so I did not do. I submitted a fraud and cried for a week that was the only hope I had to get a home of my own. They sent me a letter and basically said they had decided I did it or I had someone do this. I was so hurt I called them they treated me like I was lying. I swore to them that I did not do this and the man was rude they wouldnt even decays it. They sent me a letter that said they would send me the information on how they decided I did it in there investigation and I have not heard one thing from them I called back and they said they would turn it over to the next step up. But I have heard nothing. I have never done anything at my bank and then said I didnt. Thats all the money I had for a home, now I a XXXX. Please help me I promise my life on it I didnt do this. I live in a unsafe environment because I am low income and am prayed apon please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX LexisNexis was sent a SECOND letter ( copy attached ) via certified mail in response to the corespondence sent in XXXX XXXX requesting more information involving identity. In addition to the letter LexisNexis was also sent a request form provided by LexisNexis to use to process request as well as ( 2 ) identity copies of state issued drivers license and social security card. On XX/XX/XXXX, LexisNexis sent corespondece that was exactly the same as the response to the first letter that informed them of their illegal activities. The correspondence ( copy attached ) stated that they once again could not process my request for my information and attached the exact same request form that had already been filled out and sent to them XX/XX/XXXX. Then XX/XX/XXXX I recieved a second letter ( copy attached ) from LexisNexis which states that they were " unable to locate '' a file matching my data.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : 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 XX/XX/XXXX 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

XXXX used inadequate security countermeasures to protect my most sensitive personal information. As a result of their lackadaisical attitude to online security, my most secure personal information has been compromised. 

Now I must pay to put a credit freeze on my account -- this is unacceptable. Almost half the citizens of the United States have had their most sensitive information compromised. 

This is a clear example of the need for more government safeguards on Equifax and other financial reporting agencies. They have collected my personal information without my consent, safeguarded it improperly, compromised and distributed all my information, and now are attempting to profit off their own failings. 

This is as wrong as it gets.