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

In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. Equifax created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. 

I wrote Equifax about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. 

This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. 

They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. 

However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. 

While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force Equifax to do the right thing. 

I look forward to an uneventful resolution of this matter.
Product: Debt collection

My state attorney advised me to send a letter to validate the debt which was sent to their office on XX/XX/07. Per the Fair Credit Reporting Act, it states that I have the right to validate the debt, if they are unable to comply within 30 days, they must delete it from all 3 credit  bureaus. The amount shown is {$1500.00} and {$500.00}. 

It has been more than 30 days therefore I am submitting this complaint to notify the violation before I take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX, XXXX XXXX  XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Vehicle loan or lease

XX/XX/2024 Most recent issue. The banks website does not allow password reset, and a call has to be made every time the login password has been used. There is then harassment and abuse when the call connects. There is illegal collection during this interaction, and the amount of payments for this account exceed the original line of credit/account balance on every statement and credit report.
Product: Bank account or service

On approx XXXX XXXX I opened a svg acct with Synchrony Bank online. I added XXXX XXXX XXXX Bank to my Synchrony acct so I could transfer money. Synchrony verified XXXX acct by submitting XXXX small deposits on XXXX XXXX. The day after I then transferred money from XXXX to Synchrony to fund the acct. On XXXX XXXX I set-up another transfer from XXXX to Synchrony but on the XXXX I noticed it had not gone through so I called Synchrony. I asked why the additional transfer I had requested the week before had not gone through. I was advised that my acct had been locked because they were not able to verify the XXXX acct I had requested the transfer. Keep in mind this is the acct that funded the Synchrony acct. after they submitted XXXX deposits to verify the acct. After calling them almost everyday for 2 weeks and speaking to various supervisors they finally transferred my money back to XXXX on XXXX XXXX. This was by far the worst experience I have had with a financial institution and I want you to know that they should not be allowed to manage anyone 's money. I felt like I was being held hostage because of their incompetence. Imagine ... Synchrony could n't verify an acct that funded the svg acct I had opened with them. This is my complaint.
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 one late payment on my report on an authorized user account that shouldnt even be on my credit report i didnt authorize to even report on my credit report the account is discover card opened XX/XX/1998 and an {$18000.00} i hope youll can resolve by investigating and erasing this account promptly and immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Product: Debt collection

So I have been credit card fraud it I have reported this to the police I have hired XXXX XXXX  this was a charge off on my credit I have sent 10 certified mail to this company called cavalry portfolio services , LLC XXXX XXXX XXXX, XXXX, AZ XXXX I have certified these people mail regarding this matter they have mailed me a form asking me to send it back I did that as well along time ago XXXX XXXX has challenged these people and ask them to quit harassing me and they still are regarding this matter I have asked multiple times for them to understand I was credit card fraud and they dont seem to care they want their money I wrote you guys about this matter but at that time it was through XXXX XXXX has hired this company Ive sent a complaint into your company about XXXX this is my second complaint that Ive written I had XXXX preferred diamond card that was stolen when Covid broke out I had to XXXX XXXX cards as well and I had a XXXX card my identity was stolen so I have been trying to work on my credit and fix all of this as a matter fact Im not sure exactly which one of these bills is which with XXXX I just know that I have sent in all the documentations and police reports and these people will not leave me alone Im on XXXX I have no money At all whatsoever
Product: Consumer Loan

I get from 5-15 calls within XXXX-XXXX calls back to back to back. Have stated I work from XXXX-XXXX and XXXX-XXXX. Have stated to bill me, and I am told no they will keep calling until I pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland funding LLC failed to remove their tradeline from my credit reports in a reasonably time. This is causing my report to become more negative thus having a huge impact on my credit score. They had hired a law firm, XXXX, XXXX , XXXX  XXXX, for the collection of debt owe to them. The debt was settled as agreed with the law firm over a month ago, which was in XX/XX/2020. I called Midland on XX/XX/XXXX and XXXX to let them know that they had not updated/removed the information. Midland keeps telling me that it takes more days for changes to the report. Another person in Midland 's consumer department named XXXX, said that the law firm needs to let them know that the debt has been settled before updating. I called the law firm they suggested it was a matter to be taken up by Midland funding LLC. I will like my report to be updated immediately. Overall Midland funding is taken a long time to update/ remove collection from credit reports.
Product: Checking or savings account

I have a checking account with Capital One. I was overdrawn for {$7.00} and wasn't notified that I was. I have gone to one of their locations to turn off the overdraft twice and still, nothing has changed. After being charged with many overdrafts fee 's of {$35.00} each day and not being able to receive a new debit card after it expired a month ago, I went to close my accounts with Capital One. Capital one banker was unable to close the account because of my negative balance. I would have no problem in giving {$7.00} to close the account, however, the fees that I didn't know about accrued to over {$140.00}. Capital One banker was able to remove {$70.00} worth of fee 's but was unable to remove the rest of the fee 's, therefore leaving me unable to close the account. With the current negative balance, they are still allowing charges to be placed. I am looking for all of the overdraft fee 's to be removed and to reverse all those additional charges, so I can close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( XXXX ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity have been stolen by unknown persons, and it needs to be cleared as soon as possible, I am a victim of being compromised by unknown individuals in the past years but have no clue who the theft is that did this to me
Product: Mortgage

On or about XXXX i called in and requested the company review my current loan to value and eliminate PMI from my loan. I have made over XXXX in XXXX to the home and the value has gone up greatly. I was told they would review it and get back to me. I received a letter asking for the request to be in writing. They asked that I include the XXXX that have been made, cost of XXXX, and the dates ( although any improvement is obviously since i purchased the property ) and a check for {$190.00} for the XXXX. I wrote a letter that same day providing the work done, cost, and the date of the remodel. All work was done by a licensed XXXX. I followed up on the letter by phone and they asked me to resubmit the work details to include specific dates for each item ( start/ end date ) in a specific format that is a spreadsheet or they will not consider the request. Again the request must be in writing, certified letter, online or fax not allowed. I spoke with them again and tried to escalate and was put on death hold. I contacted them to day and they have again refused to visit my request. 

This is not only costing me money from them every month, but it is delaying a new roof and solar panels I have planned. The company i plan on using to finance the panels and roof will not go behind a loan with PMI. This is costing me about XXXX a month. I have worked with this company prior and have never had an issue. They are stating the " investor '' sets the requirements for what they need to see in order to initiate a PMI removal. I tried to explain that their company policy does not supersede Federal Law, but I dont think they care. I am familiar with the law and they have not sent out any of the required PMI disclosures either. I also note that a number of the other disclosures were missing information. I have not received any notice that my request was approved or denied in the required time frame as well.
Product: Money transfer, virtual currency, or money service

BlockchainXXXX Bias Based Profiling & Discriminatory Policies In XX/XX/2024 I opened an account with Blockchain.com with clear understanding that I will have a secured wallet and will be able to buy & sell crypto currency. 

When I tried to purchase coins the XXXX site prompted me to go through a mandatory online identification verification to use the options. An online verification process was completed which included uploading my ID and picture. A message was sent that it would take some time to complete the process and then I could start using the services. 

When I didnt receive any feedback I contacted XXXX support to know the status. The response was its under process and soon I will be advised. 

Multiple emails were sent including on dated XXXX XXXX ticket # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ticket # XXXX but the reply is always that XXXX is unable to complete the identity verification. 


Its concluded that XXXX is using bias based profiling and discrimination practices to deny me the full access of my account. The use of such prejudicial practices is against the norm of all business ethics. After being associated for more than 20 years with a XXXX XXXX company and doing banking with XXXX XXXX XXXX other International financial institutions, I find this conduct of XXXX totally unethical & illegitimate. 

I strongly demand strict action against this organization using such unscrupulous & illegal practices, biased base profiling to discriminate against clients. 
Refer to attached emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.
Product: Debt collection

Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report SPRING OAKS CAPITAL LLC
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$5400.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

Capital One. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. I was never late on this account. But there is a late payment reporting for XX/XX/year>. 

enclosures ( 1 ) Drivers Licenses ( 2 ) Tax Statement showing address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX showing address ( 4 ) Statement from XXXX XXXX  showing address
Product: Mortgage

I requested forbearance of my mortgage loan with United Wholesale Mortgage ( UWM ) in XX/XX/2020, following the passing of the CARES Act to address issues related to the COVID-19 pandemic. Shortly thereafter, I received a letter from UWM, dated XX/XX/2020, stating that our forbearance plan would begin on XX/XX/2020 and continue through XX/XX/2020. If we did not request a repayment plan, loan modification or extension of the forbearance plan on or before XX/XX/2020, payments would re-commence on XX/XX/2020. 

On XX/XX/2020, I contacted UWM by phone requesting that my loan be brought out of forbearance by debiting my bank account the full amount then due. On XX/XX/2020, UWM confirmed via the UWM online message center that they would debit my account and bring my loan current ; however, that did not happen. E-bills state that the payments were reversed due to insufficient funds ( NSF ) but that is incorrect and I have account statements to evidence the same. Subsequently, I made similar calls and/or electronic communications through the UWM online message center ( and received similar feedback from UWM ) on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. However, despite these multiple calls and/or communications, my payment has not accepted and my loan continues to be under a forbearance plan. 

On XX/XX/2020, I wired the deferred payments ( in the amount of {$10000.00} ) to UWM. On XX/XX/2020, I was told by a UWM representative by phone that my payment made by wire had been received and I would receive an electronic letter by XX/XX/2020 that my loan was out of forbearance and in good standing. On XX/XX/2020, I did not receive such letter so I called UWM again on the afternoon of XX/XX/XXXX and was told my payment was suspended and had not been applied to my account and was pending supervisor approval. I called UWM again on XX/XX/XXXX and twice on XX/XX/XXXX. On the XX/XX/XXXX and XX/XX/XXXX phone calls, I was told a manager would call me back to discuss the issues with applying my payment. To date, a manager has not called me back. 

In addition to the foregoing, commencing in XXXX, UWM started to charge me late fees although UWM refuses to accept my payment of {$10000.00} and bring my loan out of forbearance. 

At this point in time, I have spent approximately 20 hours on the phone and/or online with UWM. This has caused me, and my partner, an immense amount of stress. Further, my partner and I have lost several opportunities to buy a home because we can not obtain financing while the UWM loan is in forbearance.

It is critically important that my payment be applied to my loan no later than XX/XX/2020 and that my loan be brought out of forbearance on XX/XX/2020. We have requested multiple times that UWM address this issue immediately by ( 1 ) applying my {$10000.00} payment to my account, which brings the loan current through XX/XX/2020, ( 2 ) removing all late fees, and ( 3 ) removing the loan from forbearance and providing written evidence of the same. To date, none of the foregoing have occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department of Education Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Credit Card Account # XXXX and # XXXX, XXXXXXXX XXXXk Account # 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.