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

On XX/XX/2020 I sent a letter regarding inaccurate inquiries and other items on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being ignored, and this is taking a toll on my financial freedom. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Payday loan, title loan, or personal loan

Revived a loan for XXXX dollars i did not apply for this is id thift and I would like this taken care of thank please disregard the other complaint thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXl attacking my credit scores for their error -opted for automatic payments in XXXX XXXX -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
Product: Debt collection

I had cable service with XXXX XXXX, now called XXXX ( Parent company XXXX ). On XX/XX/XXXX my house burned down. I called a few days later to cancel my service and the man tried to get me to sign up for a " seasonal service ''. I told him I didn't want it, I didn't live there and was going to sell it when the house was rebuilt. I paid the bill in XXXX when I received it. Insurance put me in a hotel with my 3 cats for weeks before getting me a rental house. I was never so glad to get out of a hotel in my life. 

I received a bill a couple of months later, and called and explained the situation to them again. Again, a man tried to get me to signup for " seasonal service ''. He was very insistent and I said no, I am in a rental house now and didn't know where I am going to live once I sell my house. It wasn't rebuilt until the end of XX/XX/XXXX. 

They credited my account {$100.00} for returning the equipment, but say I didn't cancel my service and are charging me for service from XX/XX/XXXX- XX/XX/XXXX when they say they disconnected the service for non-payment. I was on the phone a couple of months ago for 3 hours after getting a collection letter. They literally transferred me 9 times, 9 times, and I ended up talking to the first person I talked to. The lady told me she would take the charge off if she could, but she couldn't do anything because it had been turned over to collection. 

I am XXXX XXXX XXXX and have paid every bill I ever owed. But, I don't owe this one. 

Can you please help me.
Product: Credit reporting

EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
Product: Debt collection

I received multiple calls from a company XXXX XXXXXXXX XXXX XXXX. from phone numbers XXXX, XXXX, XXXX from a man named XXXX XXXX who claimed he was a resolution XXXX from XXXX XXXX XXXX XXXXXXXX. to collect a debt by me on behalf of Ace Cash Express from XXXX. He told me I owed {$560.00} and if I did not pay him the money today, I would be sued by California State and have my wages garnished and property seized worth to pay {$2900.00} for court fees and filing costs. He had all of my personal information, social security and some information of myself that made me believe he was legit. I told him I could only pay {$100.00} today XX/XX/XXXX and the rest on Monday XX/XX/XXXX. He told me that I couldn't accept that and told me he would have to proceed with the process to have my wages garnished and I said okay, there's nothing I can do. We hung up and then I called back and told him he was on a recorded line, he then told me to hold. After 12 minutes, I hung up. About 10 minutes after I hung up, I received a call back from XXXX XXXX and he told me he was in a meeting as to why he had me on hold. He then proceeds with my " account information '' and after I explain to him my situation of not having the funds, he says he will give me approval for the payment plan of {$100.00} today XX/XX/XXXX and {$460.00} on Monday XX/XX/XXXX. He then sends me an email via XXXX  sign to sign the document in agreement with the payment plan. I signed the document and gave him my card information for {$100.00} today at XXXXXXXX XXXX XX/XX/XXXX. He then ends the call with providing me his direct line at XXXX ext XXXX. After some minutes, something didn't sit right with me and I called ACE cash express myself. They told me they do not work with a collection agency called XXXX XXXX XXXX XXXX XXXX. They then told me I have a past due balance of only {$160.00} and gave me the direct collection agency number that would collect the funds XXXX. I then proceeded to call that number and they confirmed the same information and said they don't work with XXXX XXXX XXXX XXXX XXXXy. She then advised me to call my bank and also confirmed with me that my account is too old for them to call me for a debt and that I can still pay it when I can but advised me to resolve the fraudulent charge with my bank first. I did just that right away and it is in the process of returning my payment as well as they issued me a new card.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX with email XXXX and membership number XXXX. I have a complain on wise transfer Company. I have XXXX $ in my wise account. They Close my account without any reason. I request them to refund with take my my bank details and email me that they will send it in 5 to 10 days but it been month ago I didn't received a single Dollar from them. Then I email them again and again and after a week they said we nend your detail again and I give them after this they said your refund will be sended to your bank in 2 to 3 day I wait for week but not get my money back. I'm a student and that's money is very means to me for education expenses. I request to u thats plz take a quick action on them, so thats they will send my payment back. I'm very thankful to u if u do this for me. XXXX
Product: Debt collection

This letter serves as formal notice that Experian, XXXX, and TransUnion have failed to properly investigate fraudulent accounts on my credit report. Despite multiple disputes, you have not provided legally required documentation verifying these accounts. I demand their immediate deletion.

CFPB Lawsuit Confirms Experians Unlawful Dispute Handling The Consumer Financial Protection Bureau ( CFPB ) has confirmed that Experian engages in sham investigations and ignores legitimate consumer disputes, violating federal law. ( Source : CFPB, 2024 ) Additionally, the Federal Trade Commission ( FTC ) has reported widespread inaccuracies in credit reporting, further proving that Experian and other credit bureaus routinely violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate consumer files. 
Fraudulent Accounts That Must Be Removed Immediately : XXXX XXXX XXXX ( Acct # XXXX - All XXXX Bureaus ) Legal Violations and Demand for Immediate Action Per 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum accuracy in your credit reporting. Your failure to remove these fraudulent accounts violates federal law and subjects you to regulatory action.

Additionally, under 15 U.S. Code 1692g, you must provide verified proof of these debts, including the original signed application or contract. Your continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately.
Product: Checking or savings account

Over the course of approximately 6 years, I was charged surprise overdraft fees after Regions approved my debit card purchases. 
These fees amounted to thousands of dollars. i would not be exaggerating in saying it was $ XXXX. 
I have not been contacted, nor have they made an attempt to compensate me. The fees became such a burden on me that I allowed to account to be charged off. I opted out of overdraft protection and they still hit me with fees after allowing my card to go through. This company made it to where I could not pay my mortgage and/or car payment on multiple occasions. 
It is unsettling that people like this are allowed to walk around free after knowingly bilking working class people out of XXXX XXXX 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax. The tracking number is XXXX. The letter was a dispute about this account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX When I sent the dispute letter Account Name & Number : XXXX XXXXXXXX XXXX XXXX XXXX Equifax violates 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Equifax did not conduct their investigation in 30 days or delete the inaccurate information.

Equifax did not do an investigation within 30 days after receiving my dispute. Nor did they delete the disputed account after 30 days Equifax violates 15 U.S. Code 1681i ( a ) ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Equifax did not notify me at my mailing address provided in my dispute letter that an investigation is taking place If Equifax did in fact do an investigation they have not notified me of the results which would be a violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( a ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

Equifax is in clear violation of several laws and by doing so violated my federally protected consumer rights.
Product: Checking or savings account

On XX/XX/XXXX three fradulent checks were deposited using atm into my Chase Checking account for {$860.00}, {$890.00}, and {$980.00}. After the check amounts were credited to my account, {$800.00} was subsequently withdraw on the same day at an ATM. The following day Saturday XX/XX/XXXX two more fradulent checks were deposited to my account using ATM one for {$2300.00} and the other for {$890.00}. On XX/XX/XXXX three more withdrawals were posted to my account, one for {$1300.00} another for {$800.00} and another withdrawal that was made at an ATM on XX/XX/XXXX for {$500.00}. The next day on XX/XX/XXXX the deposit of {$2300.00} was returned due to ATM/Dep error then one week later on XX/XX/XXXX, two checks that were made on XX/XX/XXXX ( for {$860.00} and {$890.00} ) were both returned and my account became negative. When I noticed a couple days later on XX/XX/XXXX I immediately called Chase to inquire and dispute the fraudulent activities on my card. I was told my the banking associate that the transactions were made using my atm card and pin which I said was impossible since I had not lost my debit card, it was still in my posession and I have never disclosed my pin to anybody. Chase proceeded to close my account the following day on XX/XX/XXXX. Prior to my account going negative, my balance was {$940.00} ( {$700.00} excluding the fraudulent deposits ) and when my account closed I was - {$1700.00}. After i closed my account at the bank I was informed that I will get my money back and that the fraud department at Chase will notify me after investigation. I was advised to file a police report so I went and filed a report with the XXXX XXXX. Several days later, XXXX XXXX informed me that because the transactions were made in XXXX, I would have to go to XXXX to file a report. I lived in XXXX however so it was difficult for me to travel to XXXX especially after having all my money in my bank account stolen. I waited eagerly for Chase to get back to me and I finally received a letter in the mail that claimed after investigation they found the transactions were legitimate and I was responsible for paying the {$1700.00} back. I was unable to pay this amount and it was written off as a loss and I was banned from opening any other Chase account because of bad debt. But I was a victim from fraud and lost {$700.00} that was in my account prior to the first fraudulent check being deposited. I felt I was unfairly treated and never received the reimbursement for the money I lost because of Chases inabilty to safeguard my money and allowing fradulent activities on my account.
Product: Credit card

I had 2 unauthorized transactions on my card, XXXX for XXXX $ and XXXX for XXXX XXXX The XXXX $ charge they took care of no problem, but the XXXX $ charge they keep telling me it was authorized even though it was made from the same people on the XXXX $ charge, they copied my card information to make these transactions that I never approved. I've been fighting this charge since XXXX and I'm not letting it slide.
Product: Checking or savings account

I transferred funds from a XXXX XXXX  into HSBC in order to open a new savings account. HSBC took my funds of over {$10000.00} then denied me access to view my account online and denied me access to my funds. 

After contacting HSBC to seek resolution I was repeatedly asked for additional information about myself to verify my identity. Once I fulfilled their request they continued to deny access to my funds or viewing my acct online. HSBC continued to ask for more and more information. At that point I requested to close my account and return my funds. I had to ask FIVE ( 5 ) times before I was verbally told they would do this. I have no confirmation they are closing my account nor returning my funds. 

At one point I was told to contact XXXX  regarding a " fraud alert ''. XXXX  had that alert removed off my acct. On another call to HSBC they told me to call XXXX  and ask for information. This went on and on resulting is no ability to view my account nor access my funds. I remain unable to view or access my funds today I have attached a screen shot of my XXXX  dashboard showing I have no Freeze or Fraud Alerts on my file.
Product: Debt collection

LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. 

LVNV filed a judgement against me XXXX # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract.
Product: Mortgage

This is a follow-up to Complaint Number XXXX.

Nationstar 's response to the above-referenced complaint CONCEALED the existence of the mysterious {$60000.00} withdrawal ( see attached, pages 1 and 2 ), and the fact that XXXX ( as trustee ) was overpaid ( according to its own reports ) by {$25000.00} ( see attached, page 3 ).

The response also confirmed that Nationstar charged me a {$110000.00} undocumented " corporate advance '' plus {$180000.00} interest ON TOP OF the unpaid interest that was automatically added to the principal pursuant to the terms of my loan agreement ( see attached, page 4 ).

Nationstar 's falsified documents constituted a fraud on the court, and damaging me by {$380000.00} which amount I will seek to recover through an independent lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXXXXXX about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is still clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( XXXX ) ( XXXX ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE 3 DIFFERENT PAYMENT HISTORYS REPORTING? 
NO 30 DAY LATE BUT SKIPPED TO 60 DAY LATE. IF ITS NO 30 DAY LATE HOW CAN IT BE A 60 DAY LATE? 
XXXX : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS High Balance ( XXXX ) HIGH BALANCE IS {$4300.00}, SHOULD BE {$0.00} XXXX : {$5000.00} XXXX : {$5000.00} Equifax : {$4300.00} Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE 3 DIFFERENT DATES REPORTING? 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE 3 DIFFERENT DATES REPORTING? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Last Payment ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE XXXX DIFFERENT LAST PAYMENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

During the process of preparing to close on a mortgage loan, I discovered Comenity Capital Bank ( Utah ), is reporting in error That I still owe {$6700.00} dollars and has stopped reporting credit activity since XX/XX/2022. 

They said they are implementing a new payment platform and will not report any payment activity for cardholders. 

I have a XXXX balance and owe nothing, yet it appears on my report to the three agencies as though I maxed out my credit card and have not made payments since XXXX. 

Now the loan officer said this is tremendously hurtful to my credit and will cause me to pay more points and pay higher interest on a mortgage loan. I have contacted repeatedly and begged for them to report accurate payments and although they agree that I have been an excellent customer there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my report as I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024, I sent a dispute letter and reported a dispute to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$980.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received any response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus.

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES :XX/XX/XXXX