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

I have called discover and I have asked them to remove the inquiry on my credit report for all 3 credit reporting agencies. I asked Discover to provide the ip address that was used or the application that was mailed out to discover. They have not produced any documentation stating that this account is mine or the inquiry belongs to me. I asked the lady over the phone if this is common she stated yes. Instead she mails a letter stating that the inquiry is valid and I will not have the inquiry removed of all three credit bureaus. XXXX, XXXX and XXXX. I am know asking Consumer Financial Protection Bureau to enforce state or federal law and assist me in getting a copy of the phone call that took place before the letter was mailed out. I have a copy of the letter that was mailed out it should not be difficult for discover to produce the ip address or the copy of the application that they received in the mail. I am not sure how consumer financial protection bureau helps consumers get their money back but I will ask and I would appreciate if they explained to me how this procedure works. Please assist me. With my scores as low as they are it would not make sense for me to initiate a application. I for a fact know that it was not me. Discover is unwilling to assist.
Product: Credit reporting or other personal consumer reports

Multiple inquiries within the same period of time were taken by multiple financial institutions ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All took place in XX/XX/year>. I specifically stated to NOT shop credit as I was pre approved and granted a loan through XXXX XXXX XXXX. I did not authorize these inquiries from any of the above institutions.
Product: Prepaid card

Rush card did update on XXXX XXXX and has had issues to this date, money is missing, fees applied out of nowhere and phone calls are not being answered, this date I am locked out of account and not able to reach anyone, left messages with no return calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXX XXXX- XXXXnquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. EQUIFAX MORTGAGE SERVICES-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect inquiries, never authorize did Business with companies
Product: Debt collection

I had an accident and my insurance company paid off all my debt, TOYOTA MOTOR CREDIT is falsely reporting debt on my credit which is totally unconstitutional
Product: Mortgage

I contacted Fifth Third Bank regarding a loan that belonged to my Ex-husband.My ex-husband XXXX XXXX in XXXX.We had been divorced, and the divorce decree stated he had 90 days to remove my name.from any responsibility of our house.He never removed my name.Fifth Third bank continues to send me the statements, and has also turned over information to XXXX that has damaged my credit.
Product: Credit card or prepaid card

My previous balance was {$1800.00} including interest charged for the month of XX/XX/XXXX and payment due to XXXX.I was fully paid the amount of {$1800.00} on the due date XX/XX/XXXX. 
Now, I checked online my Barclaycard credit account and I noticed they charge me for another interest charged of {$34.00} and due to XX/XX/XXXX. 

I called that company and I spoke the manager XXXX.I told her Im fully paid last XX/XX/XXXX and I dont have any credit balance why I have still interest charged of {$34.00} and due to XX/XX/XXXX. 
She said thats my accrued interest charged and she refused to waived that amount. 

This not fair in my side.How I cant get interest charged again, Im fully paid and I dont have balance in my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion stating that the law on medical debt has changed. I XXXX XXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/2023. This did not occur. I sent a letter to Transunion and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, Experian, and XXXX. No one is resolving the issue.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your NAME : XXXX XXXX Your address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Dear Equifax I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

There is a XXXX XXXX XXXX that I have found out using my identity information, which is from Lender, WellsFargo Home Mortgage , Inc. in XX/XX/2003. Its a Deed Of Trust, provided by XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
Abrevate legal discrimination XXXX XXXX, XXXX XXXX. Same address as the others, which is at XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX.
Product: Debt collection

my uncle owes a debt to this company and it has a lien on my property. i have called many times asking for some time to come up with XXXX dollars. and they just gave me 3 days to come up with that money. one of the employees named XXXX told me that that was the only deal to come up with XXXX dollars in 3 days. The other person is the attorney XXXX XXXX he told me the same and i asked for a payoff demmand letter until the XXXX of this month XXXX XXXX he said he doesnt know he will let me know in a few days still no response. i want to pay but they are being unhelpful and mean to me i feel helpless i tried to make a complaint on their section and they told me the only one that could help me is XXXX XXXX. i need a payoff demand letter for the XXXX to pay and have that release of lien on my property. i need help from someone. i cant sleep and feel worried at work and home. please help me.you czn clearly see on the letter was written on the XXXX of XXXX and they demanded me to pay 3 days after only on the XXXX of sep. XXXX they dont want to give me a reasonable amount of time and im borrowing the money that takes some time. i need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated law 15 U.S. Code 1681b - Permissible purposes of consumer reports. The company shows as reporting to my credit on XX/XX/2022. 

XXXX XXXX XXXX XXXX has reported information without my permission.
Product: Debt collection

I keep receiving calls from a company named XXXX XXXX XXXX on behalf of Assured Financial about a debt with XXXX XXXX  I have never taken a loan from this company or have any recollection of this company. The Rep 's name is XXXX XXXX, who said I was being sued and would need to go to court pending a letter of litigation. She asked me to verify my address, but I said to send the letter. She proceeded to say that this has been escalated and I can fight it in court. 

I do not have a loan and was not given any information outside of an amount and that I will have to go to court.
Product: Credit card or prepaid card

My Eppicard, daughters child support, number was stolen without my knowledge AGAIN!! The cards were in my wallet both time. This time I was told that I am unable to get my money back. However I did some digging and actually found the name of the guy who took it! This is happening to so many people that is ridiculous. If you read this website you can read what they are doing to people. https : //www.eppicardhelp.com/eppicard-customer-service-live-person/ That is just a little bit of what we go through just to get child support. I will attach prove and what they told me as a response to me. I feel there is an inside job at Eppicard giving out numbers of vulnerable consumers. 
On XX/XX/2020 my card was used at XXXX XXXX XXXX for {$540.00}. On XX/XX/2020 {$27.00} was used to purchase at XXXX XXXX XXXX XXXX. And finally on XX/XX/2020 for {$100.00}, XX/XX/2020 for {$140.00} and on XX/XX/2020 for {$400.00} was used at XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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 I didnt fill out another application with these companies and they already had an account with my name opened. This is getting outta hand with the understanding of what these companies have done. I called to fix issues not do another hard pull
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 
INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX EQUIFAX DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO EQUIFAX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND EQUIFAX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XX/XX/XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS
Product: Credit card or prepaid card

I applied for and received an XXXX Credit Card backed by the First National Bank of Omaha. I received the card and when setting up my account online, I saw that someone had already fraudulently charged {$270.00} on the card. I contacted the credit card company three times and they refuse to take the charge off claiming I made the purchase. I didn't have the card or my account number when those charges were made so I couldn't have purchased anything. I have contacted the Dispute Specialists on three separate occasions ( XXXX, case # XXXX ), but they keep insisting I made those purchases which I did not.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions ( XXXX submitted XX/XX/year> ), Equifax consistently responds within 24 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 a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. 

Confirmation numbers of accounts reported inaccurate : XXXX XXXX
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I booked a hotel through Chase XXXX XXXX Travel Portal using my Ultimate Rewards points. I booked ( 5 ) nights at a " 4-Star Hotel '' - XXXX XXXX XXXX XXXX - Beachfront Hotel, XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX, XXXX XXXX, XXXX. This stay cost XXXX Chase XXXX Rewards points, with a redemption value of {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX. 

We arrived late in the evening on XX/XX/XXXX after a day of traveling from the United States. When we arrived, the hotel did not look anything like the pictures that were advertised. There was only ( 1 ) person working the front desk and no other employees seemed to be around. We booked a " Beach front bugalow with Jacuzzi '', and were given a key and directions to our room. Once we arrived at the room, the door was closed, but the lock was held together with a screw and able to pushed open without the key. The room was dirty, there was dust and water damage every where, blood stains on the sheets, and the " jacuzzi '' that we paid extra for was just an empty tub on the balcony. There was also no hot water in the room. We called the front desk to no avail, and when I walked down there we were told someone from maintenance would go and check on the hot water, however nothing was ever done. I immediately contacted Chase who said that nothing could be done and to sort it out with the property, however there was no one at the property that could do anything for us. They kept referring us to a manager who never answered the phone. We stayed the night of XX/XX/XXXX at the hotel as we had nowhere else to go that night, and the next day we got up and back a room at an actual 4 star resort further down the beach. The hotel was not willing to give us our money back for the ( 4 ) remaining nights and after countless emails and phone calls with Chase Travel while in XXXX, and also once I arrived back home, my request for a refund was also denied. This hotel was fraudulently advertised and my credit card company that we booked the hotel through would not do anything to help us. I had to spend another additional XXXX XXXX Rewards ( {$1600.00} ) points to book ( 4 ) nights at a different hotel and my planned XXXX XXXX 's XXXX marriage proposal to my fiance was ruined. I have attached the confirmation of my 2nd hotel booking as the last attachment to this complaint.
Product: Debt collection

XXXX XXXX XXXX Original creditor SMITH ROUCHON & ASSOC Last reported XX/XX/2020 I did not receive any communications from creditor or collection agency about this debt. Recently I was denied credit increase due to derogatory information reported as HIGH IMPACT collections. Dispute was filed and debt was paid electronically but information is still being reported incorrectly. 

I notified SMR & Association via phone for letter of satisfaction and they agreed to remove all debts from each credit bureau. However, XXXX XXXX is still indicating collections information as HIGH IMPACT collections and incorrectly. 

XX/XX/XXXX Reported balance {$830.00} XX/XX/XXXXReported balance {$510.00} The payment has drained my emergency fund ; created a financial hardship and now place me in credit limbo despite consumer protection against surprise billing under the COVID-19 Cares Act. 

These medical bills were paid in XX/XX/XXXX according to XXXX Insurance and surprise the debt is back again and being reported inaccurate with HIGH IMPACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account as late although I did send them the payment and the Late mark was due to a system error. When my XXXX account was sold from XXXX to XXXX  I was never informed. Although I sent my payments in on time the payments were never applied because XXXX credit card switched back without my knowledge. This resulted in a late payment through no fault of my own.
Product: Mortgage

Complaint- XXXX Continued : Thank you for the referral to XXXX XXXX XXXX XXXX In addition thank you for holding Wells Fargo accounatble . 

More complaints : 1. 
Mr XXXX XXXX can be reached at : New Construction Specialist NMLSR ID XXXX Office : XXXX Fax : XXXX Mobile : XXXX He answered his mobile number. The loan that I started with WF is fruedulence from inception. Please address the issue with Mr. XXXX and provide recourse for the loan etc. 

2. 
I was in the action of restructuring my loan when the $ XXXX determination by CFPB was innitiated. Let the record show that I spoke to at least 6 employees of WF. No mention was made to the agreement of compensation to consumers. My losses from the restructure was coarsed and I suffered financial loss. 

3. The initial loan was on a loan to value balance that was not justifiable, and should not have been initiated. The stated appraisal value is not correct. I was forced to close. 

4. Please assist in providing a path to monetary compensation from Wells Fargo as delineated in the arrangement made by CFPB and Wells Fargo. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/XXXX through XX/XX/XXXX Action taken : a disputed the inquiries.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act # numbers 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 states a consumer reporting agency can not furnish a account without my written instructions.

Equifax continues to re report information they admitted to deleting. Attached is their response from XXXX  where they deleted this information but is reporting it again.

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. COLLECTIONS THAT HAVE NOT BEEN PAID IN FULL WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Collection : XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Collection : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit card or prepaid card

On XX/XX/XXXX, My Bank of America credit card was charged {$1000.00} purchase from XXXX  ( came in two transactions {$600.00} and {$400.00} ) which i did not make. I was at work for the whole day and the purchase was made mid-day. The card could have been stolen. I contacted Bank of America immediately so they issued me a new card and open a fraud claim. However, on XX/XX/XXXX, they told me the claim is closed and they won't refund me. There is no way me or anyone I know could have made that purchase so I want it to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 , XXXX XXXX XX/XX/2022