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

Since XXXX of 2019 I have been trying to correct fraud on my credit profile held under Equifax. 
I have sent disputes every month for accounts on my credit profile that arent mine. 
XXXX  XXXX and XXXX have all deleted the same accounts for fraud and they couldnt verify the information. Equifax continues to send letters stating the accounts are verified as accurate and when I ask for Method of Verification they dont respond to those letters and multiple disputes they dont respond in the 30 days required under the FCRA. 
I have sent police reports, filed and sent FTC reports, and have completed all the tasks needed from Equifax to remove these accounts. 
They have stated in letters that item is verified as accurate and that every credit bureau has policies and procedures to remove items and just because other credit bureaus have removed items due to fraud doesnt mean they can. Every credit bureau has to follow the Fair Credit Reporting Act and Equifax continues to not follow them. 
Equifax removes these fraudulent accounts : 1. Us DEPT of Edu/XXXX ( Account Number : XXXX ) 2. XXXX/XXXX  ( Account Number : XXXX ) 3. XXXX/XXXX  Account Number : XXXX ) 4. XXXX - XXXX XXXX XXXX  ( Account Number Unknown- Alleged Balance is {$42000.00} Charged- Off )
Product: Debt collection

I have been harassed and they have garnished my checks illegally. Midland credit received a closed account after its statue date when the company wrote this off as a loss. Midland illegally harrased and pursued me illegally. My credit was significantly affected in thier reporting of this account which was closed and charged off as it was beyond its statue by XXXX XXXX who filed bankruptcy during this period. I have been affected mentally and physically by the actions. I attempted to explain this to these debt collectors but they disregard in even taking more then what was owed on the debt through the garnishment from my employer. Can someone please investigate this. Mt personal information was given to a third and fourth party without my consent. Exposing my personal social security and data to unknown entities which I did not agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # :XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding XXXX XXXX XXXX, specifically related to account number XXXX. I have serious concerns about their access to my personal information and their legitimacy as a debt collector. 

I did not consent to XXXX XXXX XXXX accessing my personal information when they purchased my debt. Furthermore, I have noticed that this account is not reported on other credit bureaus, raising questions about its validity. Additionally, I believe that XXXX XXXX XXXX does not hold a valid license to collect debt in Indiana. 

Given these circumstances, I am requesting the immediate deletion of this debt from my credit report. Please be advised that failure to comply with this request may lead me to take legal action, seeking {$1000.00} per violation, as well as recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Product: Debt collection

Albuquerque Collections, XXXX, NM XXXX, ( XXXX ) XXXX reported a collection for less than {$20.00} on my credit report in XX/XX/XXXX. The collection was supposedly a balance from a previous collection filed in XXXX that was paid in full before it was ever reported to a credit reporting agency. I never received another communication by mail, email or phone from Albuquerque Collections or the Medical Company associated with it that there was an alleged balance due for less than {$20.00}. That is, not until I checked my credit report in XX/XX/XXXX. I have had a few real estate transactions close since XXXX and not once did this collection appear on my credit reports. It is unfair practice not to properly inform a consumer before reporting to credit agencies. I did not have enough information or time to properly verify the amount they wanted to collect from me. I paid it off over the phone with them because I was told that it would be removed from my credit report. This was most important to me as I was in the middle of another real estate transaction. Now three months later, it is still being reported as a derogatory record that will stay on my report until XXXX! This has caused a XXXX points or more drop on my credit score for their errors. I find it unfair and unacceptable that me, the consumer should be penalized on my credit score for the next three years for their unprofessional conduct and errors.
Product: Credit card or prepaid card

On or before XX/XX/2019 I applied for XXXX XXXX Credit Cards. My application was denied based on " too many CC opened in the last two years '' I reachout to Chase Bank and asked for explanation and definition of what is it too many CC, Chase refused to define and reply that that definition is a company lending practice and would not be disclosed. I spoke with XXXX XXXX Lead customer service in XXXX Arizona. 

I think Chase denied my application based on my location to be a low income and mostly people of color area ( XXXX XXXX  ). 

I ask CFPB to intervene and stop this illegal practice by Chase which is in reality discrimination in landing practice
Product: Credit reporting or other personal consumer reports

I had personally contacted the property managment and gauntors who is the ones keeping on my credit report back in 2022 when the person who is the joint person XXXX XXXX had assaulted me badly trying to kill me and i filed a police report and he wouldnt vacate the unit so for my safety i had to vacate and relocate for my safety and when i spoke to the property managment and the gauntors company i sent them the police reports and restraining order and was told that i would not be liable for anything anymore and he will be 100 % fully responsible for all the charges and fees that come. So i am not responsible for {$2300.00} balance that is in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I already submitted but it has been 2 months and bank of America has not replied. 
COMPLAINT ID XXXX Dear US Bureau protection agency , I would deeply appreciate your help to bring this unfair transaction to light and help me and my family receive our refund from our credit card company. This is an appeal for my dispute transaction with Bank of America. I accidentally booked a ticket on XX/XX/ via merchant, XXXX, a third-party unreputable seller with XXXX rating swamped with negative reviews .The cost was {$770.00} We have additionally update : the airline admitted fault, they will REFUND, they kept on sending the same emails for the past XXXX months but most recently, they refused to cooperate. We want this charge to be REVOKED.
Product: Mortgage

I filed a complaint about harassing phone calls, bullying, calls at night and the attitude of the representatives who have contacted me when I've been close to the end of my forbearance period. I AM NOT IN DEFAULT AND HAVE NEVER EVEN ONCE DEFAULTED ON A LOAN PAYMENT. I filed a complaint about the harassing phone calls and apparently YOU, CFB, closed the complaint upon receiving WFargo 's response stating it had no record of my mortgage. Here is what ACTUALLY happened : 1. Wells Fargo send a letter to me stating it knew of the complaint. It sent to my mailing address and instead of taking the time to actually see that my mailing address is AND HAS ALWAYS BEEN different than my resident and property address, it simply pretended that it did not know this therefore affording them the excuse of 'gosh golly gee ... we have no record of a mortgage holder at <insert mailing address> ... '' 2. Wells Fargo provided a FAX # to which I was invited to send a response clarifying the property address. HOW CONVENIENT that said fax # failed to answer all weekend AND DURING STATED BUSINESS HOURS. The phone number of the individual listed in the letter ( along with the claimed hours of business ) also went unanswered. 

Reminder : Wells Fargo has a HISTORY of abusive and harassing behavior towards customers. Those of us who lived through several housing crises and have been on the planet for longer than 25 years remember it well. This is a tactic used to offset and justify its unacceptable behavior. 

FACT REMAINS that I have not defaulted EVER on my mortgage loan and am in forbearance and have adhered to every single term of the contract therefore the badgering, bullying, harassing phone calls and attitude of WF callers is completely unreasonable ... and frankly, would be unreasonable and uncalled for even were I in default. 

Lastly, NOBODY gets to dictate and name my 'feelings ' so please do not start with me on how my 'feelings ' are incorrect. Calling me on a Friday night to badger me about a payment not yet due or calling me on the weekend for such ( especially Saturday mornings during the hour when people of my faith are in prayer ) is absolutely unacceptable and are examples of harassment. 

Failing to provide an actual way to respond to the letters stating 'we have no evidence of such a mortgage holder ' is NOT A REASON TO CLOSE THIS CASE. This is deflection and frankly, straight up lying. 

I did my part in attempting to respond to their letters. They cleverly made response impossible by simply refusing to accept faxes via the fax # they provide for doing so and they very cleverly fail to pick up the phone during the hours and days they state they are available. 

There's a reason people hate Wells Fargo and it's not just past history ; it's current history too now.
Product: Credit card or prepaid card

I was approved in store for a XXXX XXXX credit card in XX/XX/XXXX. The bank that the credit was extended through was XXXX XXXX. in XXXX I used the card and paid for purchases that were used. AroundXX/XX/XXXX i was notified through a credit monitoring service that my account had been closed with no explanation. I inquired and within the first few weeks there was n't a reason. After hearing that XXXX XXXX  was apart of the XXXX breach I brought it to the attention of XXXX and asked them if the reason my account was closed was due to me being lower class or not having much money for synchrony or XXXX to protect. I did n't understand how credit was extended and taken back as if I had no right to ask what happened, Around XX/XX/XXXX I received correspondence that my account was closed due to old and past derogatory Items. I informed them when they extended credit to me those items were there why use that as a tool to close the card.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$430.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct NO. XXXXXXXX XXXX  : {$1000.00} Bonus issue unresolved after Numerous Communications with your bank On XX/XX/XXXX I applied for and opened a Citi Priority account onlineIn A Few Easy Steps from your ad featuring a bonus of {$1000.00} with a deposit of {$75000.00} and on the XXXX day the account time starts for 60 days and a requirement to keep the account open for an additional 3 months. After the 60 days a reward will be applied but the account must stay opened an additional 3 months. The web site application does not contain an award code or application code, just a statement of required activities based on the deposit amount. 

I deposited {$76000.00} on XX/XX/XXXX and at any time the account never went below {$75000.00}. After numerous inquiries about the bonus a award code was entered by the citibank rep and sent for resolution which was repeatedly denied since the award code applied was incorrectly entered since there was NO BONUS code in the application just the RULES. XXXX requests were made and always denied because the code applied was incorrect. 

After numerous verbal communications with Customer Service I was unable to communicate the real problem as your web site for the award does not contain a code or award number just the application and the rules. You can try to make an application from the site to see if a code or transaction will apply to the rules and award. 

I find this process completely inexcusable and decided to terminate my account relationship as of XXXX XXXX ( 6 months of accrued interest ) with your bank as no action on your part was able to provide the satisfactory resolution and will place my {$75000.00} in a bank that will honor the rules of a new account offer. Should you wish to make good on your original offer I will revisit applying my money with your bank. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has led to unauthorized accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit report. These accounts were fraudulently opened or reported in my name without my consent. 
Unauthorized Accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto Finance has continued to report false late payments on my credit history. The vehicle was returned to US Auto in XX/XX/2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for US AUTO to close the account. 

The last late payment shown should have been in XX/XX/2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that US Auto is claiming to be in my possession they have. Also, US AUTO has failed to follow Georgia law and properly notify me of the sale of the vehicle. US Auto took possession of said vehicle in XX/XX/2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XX/XX/XXXX. This is inaccurate. The payment in XX/XX/XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. And I have ask for them to be remove and the bureau did not do as I ask. I am providing identity theft report and I am requesting them to be remove because there are inaccurate and they are not mine.
Product: Credit reporting or other personal consumer reports

Please provide a 1099 if the account has been charged off and all statements with my full name XXXX XXXX XXXX XXXX and address that is on my drivers license and birth certificate, if you can not provide this please delete from my credit report.
Product: Checking or savings account

I traveled to XXXX XXXX on XX/XX/XXXX to celebrate my birthday. On XXXX  XX/XX/XXXX, I took a taxi cab from XXXX castle in XXXX XXXX back to my hotel ( The XXXX ). I only opted for a cab because I was having connection troubles with my phone service so I could not access my XXXX app. Once we arrived at the hotel, the meter reading was for XXXX pesos. The driver brought out a blue machine for me pay with. I swiped my card the first time, he told me to try again as the card did not go through. I swiped the second time, it went through, I got out, he drove off and I went inside my hotel. I checked my email, I received a notice from Capital one stating that a charge for {$1100.00} was denied due to low funds. I immediately logged into my account, I noticed the denied charge, I also saw a pending charge for {$280.00} all from the same merchant. I contacted my bank immediately and told them everything all within a span of XXXX hours of this fraud. I was told there was nothing they could do since the charge was still pending. I would have to wait until the charge was posted before they can file a claim. I was advised that the charge would post on XXXX. I called again and filed the claim, I was told that my case would be escalated and a provisional credit would be applied to my account. Neither was done. I followed up almost everyday, spoke with managers, each time I was giving a different information pertaining to my claim. Today ( XX/XX/XXXX ), I called to follow up and I was told that my claim was denied. They refused to give me back my money even though my transaction history corroborates activities of fraud from this cab driver disguised under XXXX XXXX. The bank is asking for documents that I do not have, I already spoke with a rep advising her that this was an unauthorized charge. There is more than enough prove in my transaction history to get my money back but my bank refuses to acknowledge or refund. I don't know what else to do
Product: Checking or savings account

My car was stolen. Inside of my car was my purse. My phone and my wallet..literally my whole life was stolen. I made a police report. My car was recovered in XXXX, Texas so sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting factual errors on my credit report from Company XXXXXXXX  account # XXXX XXXX and Equifax are reporting inaccurate High Credit, Inaccurate Credit Limit, Inaccurate Date Last Active, and inaccurate Date of Last Payment, these errors and inaccuracies are a direct violation of the FCRA so this account should be deleted from my credit report immediately and permanently. I will attach my Valid Hawaii State Drivers License, my Social Security Card, and a Copy of my Utility Bill for Proof of Identity and Residency.
Product: Credit card or prepaid card

I called Citi Bank to close my XXXX XXXX credit card because I am unwilling to pay a $ 99 yearly fee for the card. I called XXXX on XX/XX/2021 at XXXX XXXX. I was told that the fee could not be refunded. I asked to speak to a supervisor who was very rude and refused the request. He insisted that he would not refund the {$99.00}. I asked to speak to his manager and he kept insisting that I am speaking to a manager. I said that you are not helping me and I want to take it to the next level. He continued to refuse the request. I then asked if Citi has an Escalated/Executive client relations area to call when customers are not satisfied. He said no such area exists. I repeatedly said that I find it impossible to believe a bank of the size does not have a client relations area. He curtly said no we did not I said that this would not be the last he would hear of this and I hung up. The manager 's name was XXXX and his operator number was XXXX. 

I would also like the daily phone calls form Citi to stop trying to collect the {$99.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND BECAUSE OF THIS IT HAD CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.