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

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter. 

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 
Upon discovering these fraudulent items, I promptly filed a dispute with your agency I submitted all necessary supporting documentation and evidence to substantiate my claim. 

Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process. 

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights. 

Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law. 

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking dor your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to EQUIFAX more times than my age. Equifax has a relax method of investagating Complaints on a Consumers Credit Report. I have ( 8 ) INQUIRIES on my Report. I have a fraud alert on my file with a phone number. I have ( 3 ) Inquiries from XXXX from 4/6 mo. apart how can Equifax mis this I'm not applying for credit every 4 to 6 mo. ( XXXX ) XXXX XXXX Inquiries same thing 4/6 mo. apart. XXXX I have no idea about this company. I've ask Equifax to send me a copy of the application bearing my signature. FYI never gotten a response. They have been giving more than 60 days. Need this data remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account is XXXX XXXX XXXX, and Equifax refuses to remove it off of my credit report. On XX/XX/XXXX, Equifax notified CFPB that it was deleted however it is still showing on my credit report. 
XXXX original report date EQUIFAX ASKING ME FOR DRIVER LICENSE AND SSN HOWEVER I AM A VICTIM OF FRAUD XXXX  TIMES. EQUIFAX HAS XXXX SECURITY CLEARANCE FOR AN INDIVIDUAL. THIS WOULD BE DANGEROUS TO GIVE ANYONE OTHER THAN A GOVERNMENT AGENCY TO GIVE THIS TYPE OF INFORMATION. THIS LEAVES MORE ROOM OF GETTING FRAUDED. 

EQUIFAX ALREADY HAD A SECURITY BREACH. 

EQUIFAX BEING SUED XXXX XXXX FOR REPORTING FALSE INFORMATION.
Product: Mortgage

I have filed a complaint on this company at the beginning of XXXX, complainant ID : XXXX. They expressed that I will no longer receive anymore correspondence. Today I received another letter, so they ignored my request to cease all communication! 
This is nothing less than harassment and they not only disrespect my privacy, but your lack of enforcement! Do something immediately or Im going hunting, and you can catch it on the news!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status. This is illegal and in violation of several 15 U.S.C. laws. This collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

100 % proof of violation under federal law ( See attached file )
Product: Debt collection

I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise? 
Thank you for any help you can offer. 
Regards, XXXX XXXX
Product: Debt collection

Bull City Financial Inc. sent me a bill on XXXX for an ambulance ride that was paid for my insurance. I responded by requesting debt validation and refuting this ( details and attachments are provided in my separate complaint XXXX ). 

I am filing a new complaint for a different reason because they are currently making fraudulent statements that I have been " paid '' by my insurance, which is incorrect. My insurance can confirm that no check has been deposited or cashed for this activity. Part of debt validation includes proving this debt is mine. The company has provided no evidence that the insurance paid me directly - only their assertion and another copy of the original bill. Furthermore, the company falsely stated in their reply that this was in reference to two accounts- the service billed is for the same ambulance ride on the same date, and the company is attempting to collect twice for one service. This is also fraudulent and illegal.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted Wells Fargo to stop a payment I had just made to XXXX after realizing within 30 minutes that they had denied me access to their service. I was told the transaction couldnt be stoppedeven though it hadnt officially posted yetand that they would open a dispute on my behalf over the phone. 

On XX/XX/XXXX, I checked my account portal and saw that my dispute had been denied on XXXX XXXXjust a few days after filing. I realized the claim had been closed in less than 10 business days, indicating that it was not properly investigated. 
So I followed up the same day by phone and sent an email along with documentation, including : Email communication with Flex A screenshot of their policy Payment confirmation A written statement explaining that XXXX took my payment but denied me access to the service, without refund or warning. 

I was told was told it would take up to two business days for my dispute reinvestigation request to be reviewed by their team and officially reopened. On XX/XX/XXXX, I checked my portal and saw the claim had been reopened. However, by XX/XX/XXXX the claim was already closed againmeaning the entire reinvestigation took less than two business days, especially since the weekend fell on XX/XX/year>. The dispute was closed again without receiving a proper investigation or any response or clear reason for the closure. This shows a lack of effort and flexibility on their part to assist a customer who was misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we were put on a repayment plan with our Mortgage due to financial struggles. The Mortgage company Wells Fargo placed us on a repayment plan where we would pay our mortgage plus the late payment and was set to be caught up by XX/XX/XXXX. Wells Fargo had our mortgage account listed as Natural Disaster with the credit bureaus which kept us from being reported late. 

On XX/XX/XXXX I spoke with representing XXXX XXXX and she assured us, along with a third party on the line that we were not being reported late, they would not report us late while on Natural Disaster and we were approvable for any further mortgages. She stated the Natural Disaster would remain on our credit report until after XX/XX/XXXX. 

After that phone call they decided to remove the Natural Disaster and report us delinquent in arrears despite that phone call. Due to this situation we are now without any home and unable to obtain financing due to their actions. 

I would like Wells Fargo to remove those two late reporting on my credit for XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 r elates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Tr eatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) 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 1681s-2 they are suppose to 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: Student loan

In XX/XX/XXXX Navient reported to XXXX my accout as a risk this in turn the added {$20000.00} interest to my loan increased my debt ratio lowered my credit score.
Decisions were made on the loan to increase it to 25 years without me signing or being told anything the plan is to increase by payments according to the rep by doubling them to nearly 500.00 per month which I am unable to afford.
I have never missed a payment or been late yet action has been taken to destroy my credt. I have spoken to Navient they make plans whether you agree or not this is unfair there has t be some recourse to their tactics.
I want my loan sent back to the XXXX XXXX XXXX since loan foregiveness is not an option at least they will give you fair payment schedule you can live with at age XXXX with a 25 year extention I will be XXXX years old.
I am not trying to get out of paying the loan just to be dealt with fairly so that I can live. My husband is XXXX now and I am retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX In accordance with the fair credit reporting act XXXX 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

For the second time this year Paypal allowed a stolen debit card of mine to be used for fraudulent transactions. 

One time is understandable, but twice is either negligence or policy. 

I was notified by my bank on XX/XX/XXXX that my card was used via paypal twice for {$100.00} each. There were several more attempts made but they were able to block the use of the card. 

I contacted paypal regarding the issue and they claimed the card was swiped in XXXX ohio for the transactions and they would not refund the charges. 

I was not in XXXX ohio on the XXXX and have not been there for over 20 years and the card was never out of my possession. 

They basically said I was lying and they would not do anything about the charges. 

Like I stated above back in XXXX of this year they stole {$1300.00} from me and took over 2 weeks to give it back. Since I dont have a paypal account they were more worried about their customer being upset than the money they stole from me. 

Again, I have the card, it nor I was ever in XXXX. They continue to show that they make money off of the fraudulent charges and they dont care that non customer victims are being screwed by their incompetence. 

Here are the details of the transactions : Card # XXXX XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as XXXX XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00} XX/XX/XXXX DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) - {$100.00} Processing DEBIT CARD PURCHASE OUTSTAND AUTH XX/XX/XXXX XXXX as of XX/XX/XXXX ( Cash ) Amount - {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXXXXXX XXXX XXXX Hard inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXXXXXX XXXX XXXX XXXX Transunion reporting XXXX XXXX XXXX XXXXXXXX closed XXXX {$640.00} XXXX XXXX XXXX XXXX # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} XXXX XXXXXXXX {$1900.00} XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$500.00} XXXX soft inquiries XXXXXXXX XXXX closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX charged my card without authorization in the amount of {$120.00}. 

On multiple occasions since then I disputed the charge with my credit card company - TD Card Services - TD Bank. 

Since they, TD Card services have since charged me interest and penalties and is damaging my credit by reporting the disputed amounts to credit bureaus - where my card agreement specifically states - disputed charges will not be subject to account default. 

TD Card Services requested me to mail back to them details of my dispute. Which I did via regular U.S. Mail. They received it ; however stated that they processed my reply 2 days after their cutoff date and hence will not honor my dispute. 

Last spoke with XXXX at TD Customer Care on XX/XX/XXXX ; XXXX.
Product: Debt collection

I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''. 
2nd letter from these " People '' today a complete rerun of the letter sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a XXXX. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/year> as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my XXXX and XXXX reports but four fraudulent accounts returned to my XXXX report and three fraudulent reports returned to my XXXX report. None of the fraudulent items I requested were removed from my Equifax report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to XXXX in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I did 3 late payment dispute with Equifax and called them about and was told by the representative all my 3 late payments will be delete it off my credit report within 24 hours and they didnt do that. I had called Equifax back and inquire about my three late payments been deleted off like I was told but they gave me the runaround and I asked to talk to a supervisor. They still gave me the runaround and was told again my three late payments will be deleted and it wasnt. I didnt get no information back from Equifax . I told them in my dispute 15 usc 1666b that i didnt get no bill but I got a bill a month later and I still paid my bills on time. The company names are XXXX XXXXXXXX XXXX  and XXXX . I also told Equifax they are incompliance. For not sending me information on what my dispute was and it is a violation on what they did
Product: Mortgage

FNB  and  XXXX   XXXX   XXXX  attempt to well test in  XXXX   2017  with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it  out two weeks, Finally fixed and tested third attempt same company two weeks before closing.   XXXX   XXXX   presence, suspect a covered up issue. Would not pass HUD  with previous buyer?   XXXX  Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest.   XXXX   XXXX / XXXX / 2017  Bid Acceptance  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$1000.00} ) Good Faith  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$200.00} ) Inspection Water  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$450.00}  XXXX   XXXX   XXXX   XXXX / XXXX / 2017   XXXX    XXXX   XXXX   {$360.00}  XXXX / XXXX / 2017  Make decision on test results - no time to bleach and retest.   XXXX   XXXX / XXXX / 2017  -  Close Date
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX, I do not have a contract with Credit Control Corp, they did not provide me with the with the original contract as I requested.