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

I am a victim of Identity Theft and Equifax is violating my rights under The Fairs Credit Act. I have faxed and mailed several documents to Equifax about fraudulent accounts, credit cards, addresses etc and they refuse to delete this information under the Fairs Credit Act. I have sent over my Identity Theft Report from FTC and IRS Identity Theft acceptance letter as well as statements, blocking letters etc. and they have refuse to remove this information from my credit report. XXXX and XXXX has already deleted these fraudulent inaccurate information from my reports but Equifax refuses to. EQUIFAX IS IN VIOLATION OF FEDERAL LAW AND VIOLATING MY RIGHTS UNDER THE FAIRS CREDIT ACT UNDER SECTION 605b. 

Last certified mail to Equifax Information Services, LLC XXXXXXXX XXXX XXXX XXXX, GA XXXX was mailed on XX/XX/2020 via certified USPS mail and Equifax have not updated and block these inaccurate accounts.They have also block my online access to myEqfuiax.com and are not responding to my disputes and Identity Theft claim. Equifax is in continued violation of my rights as a U.S citizen under the fair credit act. 
XXXX XXXX responded to my request and verified that the account was a result of Identity theft and had to force Equifax to remove this account. There are still 2 fraudulent XXXX accounts that Equifax has refused to delete under the fairs credit act. If Equifax continues to violate my rights under The Fair Credit Act.  I WILL FILE A LAW SUIT AGAINST EQUIFAX for DAMAGES FOR A NEGLIGENT VIOLATION if this matter isn't resolved correctly.
Product: Debt collection

I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue. 

The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit bureaus.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am writing to formally request the immediate removal of the following items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Trans Union, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).
Product: Debt collection

I received 4 calls total from XXXX. They called my cell phone, my home number, and my father 's cell phone on XX/XX/XXXX. I do not know how they got my father 's cell phone number as I have never listed his number with my name anywhere. Ever. but they left similar messages on all of the phone lines saying their name was XXXX XXXX, they were from XXXX XXXX XXXX, a claim was made and documents were in his office with my name, social, and birth date on them. He leaves a call back number which is XXXX. I called the XXXX number, the answering machine said that they were a Legal Services Department ( that 's all it said, no company name, nothing ) and to leave a detailed message and a call back number. I ca n't find any company on the internet with that name or number in my area. I called the XXXX number twice but the call went to an answering machine and told me to visit their website http : //www.clearviewresolutionservices.com/. I could not find any company or information on that phone number either.. So, I did some research on the website and came up with another number which was XXXX XXXX XXXX XXXX, which when I called, a machine told me a whole different company name and/or department, I ca n't remember what it was called. I received another call from the same XXXX number on XX/XX/XXXX, and he basically said because of my negligence, they were going to continue to move forward with the process and urged me or my attorney to contact them on the matter that same day. I figured it was a scam because I had not received anything in the mail about any kind of claim made against me and he did not mention that it was an attempt to collect a debt or anything, he just said a claim was filed against me due to a failed banking transaction and he had all my details. I attempted to call the company a few times today, XX/XX/XXXX, but after repeated calls due to bad phone signal, they kept throwing me on hold without saying anything, one instance where some guy used my full name to answer instead of " How may I help you? '' then the XXXX proceeded to call me 2 more times and left a silent voicemail. I had a similar phone call a few months ago about someone coming to my house to get some claim papers signed, but they called multiple times and left the same recorded message and that let me know it was a scam, so I 'm a bit cautious about XXXX XXXX XXXX trying to scam me out of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending disputed about my credit report to all CRAs XXXX, Equifax, & XXXX, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off XXXX XXXX - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately
Product: Credit reporting

I sent Equifax a letter nearly 3 months ago, asking them to investigate errors on my credit report. As of today, they have not responded yet, despite XXXX follow-up letters I sent them about it.
Product: Credit card

I requested a credit limit increase and was denied because of information from outside sources. When I asked what those were, I was told these things are not disclosed to members. I also address on a recorded call all concerns successfully. Ive never been late nor missed a payment. I am being refused. CREDIT for No reason that was disclosed to me that I couldnt address. I was also told that it was because I was checking rates for loans and credit cards. outside of American Express how could I be denied Credit because I was checking for an opportunity to improve the health of my credit?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, {$1900.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXXXXXX XXXX ( unauthorized/unverifiable hard XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX - Auto Finance ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions Accounts : XXXX & XXXX {$530.00} XXXX XXXX XXXX {$530.00} XXXX XXXX- {$30000.00} XXXX XXXX XXXX- {$20000.00} XXXX XXXX- {$9100.00} XXXX XXXXXXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX ( Construction ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXXXX XXXX
Product: Checking or savings account

I had many problems with my checking account through Wells Fargo they were charging me fees that were not applicable and there was some charges on my card that I shouldn't have been responsible for but had to pay for anyway and it caused my account to bounce checks. I don't have an account with Wells Fargo anymore. I had banked with this Bank when it was while XXXX for many many years I never had the first problem with while XXXX but when the changeover happened I had several problems after that and also I had opened a savings account with wachovia for my son and I deposited {$100.00} into that account and when Wells Fargo bought wachovia out they had lost the paperwork to that account and told me I didn't have that account anymore because I had a fire and lost most of my paperwork and etc. However, I was going through some old paperwork of mine it was at my aunt 's house recently and I came across the account number to that account. Also I want to let you all know that this is not my first complaint this is actually the second time I've tried to complain because the first complaint was answered by Wells Fargo and you wouldn't believe the answer that they gave me which I will attach at the end of this complaint.
Product: Checking or savings account

Deposited 4 checks of XXXX each totaling XXXX I intended to deposit 2 into checking and 2 into saving however all 4 went into checking which I assume drew a red flag, I made my deposit on XX/XX/XXXX which was pose to be available XX/XX/XXXX however when I logged into my account it was blocked I then called XXXX who stated that my funds required an additional hold and that funds would be made available XX/XX/XXXX my account would remain locked til that time, however on XX/XX/XXXX I logged into my account and it was still blocked I again called XXXX which then stated that my account would be closed due to federal rules and regulation and that I would received my remaining funds in a check from SunTrust however when I received my funds they were only for XXXX?? from checking and XXXX from saving reached out to XXXX again for the deposit of XXXX was never sent they then stated my deposit was fraud and would not be released until XX/XX/XXXX because they were unable to verify the checks deposited into the account although the checks Cleared my account and the check issuer XXXX XXXX have not stated that the funds did not belong to me nor have recalled payment of those funds from this account. Filed complaint with CFPB who put me in touch with XXXX XXXX SunTrust a SunTrust Client Advocacy Team who never answered his phone to hear my side only responded with an email stating he decided to stand by his company decision to retain my funds til XX/XX/XXXX unless I provided a credit card statement for each transaction which is unable to be provided per issuing company XXXX XXXX these are refunds from gift cards which are unregistered however they ( XXXX XXXX ) have stated they can provide validation verification of the funds issued to me to SunTrust Bank however SunTrust stated that XXXX XXXX  need to recall and reissue the funds which they have no way of doing once the funds have been issued off the gift card, and will not provide nor accept the information needed to verify the funds
Product: Debt collection

Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan
Product: Credit card

I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit and had NO idea I had done so. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft There are Inquiries reflecting on my credit report that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account Equifax has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.
Product: Mortgage

I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and I got a notification that my credit score went down because CAPITAL ONE BANK USA ON XX/XX/2023 checked my credit and I DID NOT APPLIED FOR ANY OF THEM CREDIT CARD AT ALL, I am seeking for some help to dispute this hard inquiry because it wasn't me, someone its trying to use my information instead, can you guys please help me with this? It shows on my credit report from XXXX and XXXX and I don't really use my credit that often. 

PLEASE I REALLY NEED TO REMOVED THIS HARD INQUIRY FROM MY CREDIT REPORT BECAUSE I NEED TO USE MY CREDIT VERY SOON AND I CAN NOT HAVE THIS HARD INQUIRY ON IT ESPECIALLY SINCE I DID NOT APPLIED FOR IT IT'S VERY FRUSTRATING THAT SOMEONE JUST WITH MY ADDRESS CAN APPLY FOR ME BECAUSE I AM SURE THAT WHOEVER APPLIED FOR ME DID NOT USE MY SSN BECAUSE I DONT SHARE MY INFORMATION WITH ANYONE PLEASE I REALLY NEED HELP. ALL THE BEST XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV has continuously violated their duties pursuant to the law. Please see the attached PDF as my complaint as I do intend to litigate.