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

In the year of 2013, I placed a security freeze on my Equifax File. I also lost my PIN to the security freeze. The company REFUSES to cancel my security freeze. I have called, e-mailed, faxed, and mailed ALL of my identity documentation. I sent my Drivers License, my Social Security card, and my address verification. The first time they sent me a response saying I havent given address verification but thats not an accurate response. The second time they sent me a response saying that they couldnt locate any credit file with my name information and also indicated that they had been looking for a minor childs credit file, but Im not a minor child. They dont have any control over their business practices and they credit company isnt doing their job. I need help from the C.F.P.B. Thanks.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX FRANKLIN COLLECTION Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious FRANKLIN COLLECTION  Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
Product: Credit card

XXXX XXXX bed purchased in XXXX of 2021. Signed up for automatic payments to pay off the balance in the promotional period. When setting up the autopay they misleadingly set up the payment to be slightly less than what should have been paid to cover entire balance in 2 years. It was set at {$150.00} ( and later decreased but I hadnt realized it ) and should have been set at {$180.00}. Because as with any other account I have opened where you pay off the balance in a set term I set it and forgot it. I made XXXX late payments and fulfilled everything that is in the spirit of paying off the debt with their promotional period. Needless to say this predatory company charged me less and less each month without me knowing unless I kept a super close watch on my accounts ( during a pandemic where everyone was just trying to survive ). They purposefully mislead customers into thinking that they are signing up to pay it off interest free and then collect as much interest as possible. Yes I should have calculated myself instead of believing that the company split the payments into equal parts and wouldnt lower the payment as I went along. Yes I should have been more meticulous with my payment statements and realizing their set amount would never pay off the balance within the term. This is completely predatory and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received fraud alert on multiple identity theft monitoring services. Contacted Equifax to try and place a fraud alert and dispute incorrect data in my credit report.and was directed to XXXX website to set up an account to perform the actions listed above. After setting up the account my login credentials that I had just created never worked. I contacted Equifax for support with the problem but they seemed to have no solution other than to reset the password which never worked or to wait anywhere from 30 minutes to 2 weeks and then try again. I asked to escalate the problem with several managers who said they did escalate the problem only to find out on subsequent calls that the problem was never escalated. After a week of being unable to place the fraud alert online I had to place an additional call to Equifax to manually place the fraud alert. I tried to dispute the data manually but was told I couldn't do that. I then called back to the ( XXXX support line and asked to speak to supervisors ( XXXX, XXXX, XXXX, XXXX and XXXX ) all of which disconnected the call with me ( phone went to the company survey prior to hanging up ) at the 30 to 45 minute points in the phone calls. I still have no resolution to the problem, no real time access to my Equifax credit report data and no way to dispute the incorrect data in my credit report. I've spent at least 3 hours on the phone with Equifax with no indication that access to my data will ever be possible. Every time I called into Equifax I was required to provide most of my personnel data to representatives further exposing myself to identity theft by Equifax employees/contractors. I filed a Better Business Bureau complaint against Equifax on XX/XX/ 2020 ( Complaint ID # : XXXX ) and below is the standard answer that Equifax submits every 30 days : Please accept our apology for any inconvenience or frustration this situation has caused. We have referred your concerns to our technical department for review and handling. You will be informed of the results upon completion of their review, however please allow up to 30 days to receive a response.
Product: Debt collection

I request that you promptly update the delinquency date to accurately reflect the timely payments made. It is imperative that my credit report accurately represents my creditworthiness, and any discrepancies negatively impact my financial standing. 
XXXX XXXX XXXXXXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I remind you of your obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information contained in my credit report. The inaccuracies identified not only violate my rights but also tarnish my creditworthiness.
Product: Checking or savings account

In XX/XX/XXXX. I made several deposits XX/XX/XXXX - {$1400.00} XXXX XXXX I made several purchases between XX/XX/XXXX to XX/XX/XXXX and still had a available balance of XXXX on XXXX notice my balance was at XXXX. I called customer service they said it was correct and they didnt see where the other transactions are and it may show up but they cant help or dispute this until they show the transaction. I didnt make any transactions. They never helped me or refunded me. Please help me get my money back. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I filed my taxes through XXXX. The incorrect account number was attached to my federal refund, but not my state refund. After about a month I went to the IRS to see the status of my refund, the IRS sent the refund ( {$770.00} ) to XXXX XXXX XXXX, who took payment as agreed upon by XXXX  ( {$210.00} ), and sent the remainder ( {$550.00} ) to the incorrect account within Chase on XX/XX/XXXX. I don't own that account, and I have never seen the account number before in my life. Speaking with Chase I provided them with the account number and trace number for the ACH deposit. They said they received {$550.00} on XX/XX/XXXX with my name spelled correctly on it. Chase told me they didnt reject the money, and that they can not send the money back to XXXX XXXX XXXX , or transfer it to the correct account because it's been longer than 2 business days. Chase claims that the only way for the {$550.00} to be sent to me is for XXXX XXXX XXXX to issue an ACH Recall. XXXX XXXX XXXX told me on XX/XX/XXXX that they can not issue an ACH Recall and if Chase is unable to send it back to XXXX XXXX, or to the correct account, that I should open a civil dispute. I brought this back to chase, and ran it through several departments including my local branch, claims, and a handful of others. They denied my claim, and told me they can not do anything about it, and the only solution would be for XXXX XXXX to issue an ACH recall. I pressed the issue with XXXX XXXX again, and they again told me they didn't do ACH recalls and to talk to Chase. Both Chase and XXXX XXXX are unwilling to take the steps to send my refund to the correct account. So my tax return is sitting in a chase account with my name on it, and I have no access to it, or any method of getting it sent back to me without filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I sent {$350.00} to my brother in XXXX on XX/XX/2021 using MoneyGram. He tried to pick up the money in XXXX XXXX and selected e-transfer option but value has not been given to date. We have both complained severally and MoneyGram has not been able to resolve the issue. We were told they are still investigating the issue with their e-transfer partner. The burden of the internal process has been placed on the customer which is ridiculous. The transfer was to settle a time sensitive transaction and I have lost money because of this. The case number for my complaint with MoneyGram is XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I have noticed that XXXX, XXXX, and Equifax are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA XXXX, Equifax, and XXXX need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting immediately.
Product: Credit reporting or other personal consumer reports

On XXXX, XX/XX/2024, I noticed some things are incomplete and inaccurate on my credit report. 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 relates. 

The following accounts are not complete and accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 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. 

Check the attachment below
Product: Credit reporting or other personal consumer reports

I am a victim of fraud someone is using my SSN to obtain things in my name Equifax, XXXX XXXXXXXX and XXXX has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX
Product: Vehicle loan or lease

My auto loan matured XX/XX/2019. In XX/XX/2019 I contacted Chase Auto to find out how to resolve since the final payment was {$2400.00} ( due to financial issues during the course of the loan, deferring payments to the end of the loan ). I spoke to a gentleman who advised me the full balance was due but I had 120 days from the due date of XX/XX/2019. I asked him to give me an actual date. He replied XX/XX/2019. On XX/XX/2019 a payment was processed by bank in the amount of {$400.00} which was sent in error through my bill pay. ( My error ). I contacted Chase to verify that they at least posted the payment to my account since I know that I had to make a full payment. Upon speaking with several reps, I was finally transferred to the repossession department where I was notified that my car is currently in repossession status. I asked why because according to a representative within their company, I was told I had until XX/XX/XXXX. I was told that my account was charged off on XX/XX/2019. This is the second time I've had to file a complaint on Chase Auto due incompetencies. I now am in a repossession status in which they can pick up my car any day. This is ridiculous.
Product: Debt collection

I believe this a scammer trying to get me to click on phishing links. Between XXXXXXXX XXXX XXXX  I did have a shared account with former roommates for XXXX  services, but I moved and my former roommates were then in charge of the account and were supposed to remove my info. I have not used XXXX services for at least 2 years, and when I went to check on their website they didn't have anything under my phone number or email. Yesterday and today ( XXXX XXXX, I received two texts from a source claiming to be seeking to collect an unknown debt on behalf of XXXX. The second text implies a limited offer to pay only 70 % of the supposed debt.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased merchandise from XXXX XXXX store for the amount of {$220.00}. I never received the merchandise that was paid for even though the tracking shows it was delivered I never got it. I never signed for anything. Nothing. The merchant failed to send a replacement so I was out my money and no merchandise. 

This is when I contacted my credit card company, Capital One. I started a dispute for this transaction stating the above. They had me sign a form and send back with all the information they asked. I submitted as they asked and they denied my claim when they are supposed to protect me as their customer because I never got my merchandise so i was charged for something I never received.
Product: Credit card or prepaid card

I tried using a Bank of America XXXX XXXX prepaid card I had received, but noticed that the card had expired. I logged on to the website listed on the card to see if I could have a replacement card sent to me, only to notice that the transaction history listed a {$80.00} " Expired Card Fee '' ( equal to the full balance of the card ). 

I called in to see if this was a mistake, and it was explained to me that once the card expired, all funds were forfeited to the bank. After escalating the call to a supervisor, I was advised that there was nothing they could do, no matter who I spoke to. I explained that I had never had this kind of experience before with previous cards, and that worse case scenario, I expected maybe to have to pay a replacement fee. Even if this was listed in their Terms & Conditions, this practice seems incredibly deceptive and potentially illegal.
Product: Checking or savings account

I have a bank of america checking account apparently someone called a teller on XX/XX/2020 asking to make a transfer to my Bank of America Credit card payment of {$1500.00}. I noticed the on XX/XX/2020 that my checking account was lesser of {$1500.00} Called the Bank of America right away on that day ( XX/XX/2020 ) I never gave authorization to any teller to get money from my checking account to be transfered to my credit card.. I have been transfered to the escalation Manager and told me that I have to file for a check account fraud which I did. I closed my checking account with their suggestion and open a new one. 
On XX/XX/2020 i noticed that there was a transfer from my Bank Of America credit card amount of {$900.00} to another account ( which I have no idea whose account it is ) Called again to customer Services and filed another claim this time a credit card fraud.. 
Bank of America has been giving me a run around saying that credit card fraud should be able to assist me when I call credit card fraud they say I have to call Checking account.. 
I have 2 claims from them and I never get a straight answer.. It either 6-10 business days and 10 business days is up, I gave them a another call for an update and they said that they will send me the money by mail but only the {$900.00} ( which I dont even know if i will receive it ) because I made a promise that I will pay the credit card ( which started the whole ordeal ) tried to explain it them that I never made a phone call I never promised to pay {$1500.00} to my credit card I never talked to a teller..someones using my name and my information. Im tired talking to 20 different people spending 3 hours on the phone with them and I have no way of knowing if I will get my money back {$1500.00}. It is my hard earn money and they just took it without my authorization..
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding the presence of inaccurate information on my credit report. Despite my initial communication, I have not received a response from Experian to date. The details of the erroneous information, along with the required corrections, are outlined below : Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 


Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 


Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Request : Please remove this account from my credit report.