23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In 2017, Equifax experienced a massive data breach that exposed sensitive personal information, including Social Security numbers and financial details. Unfortunately, I was one of the individuals affected by this breach. The aftermath of Equifaxs negligence has left me in a constant state of concern over identity theft, forcing me to take additional measures to protect my financial well-being.

Over the years, Ive had to invest my time and money into credit monitoring and fraud protection servicescosts I never should have incurred if Equifax had upheld its duty to safeguard my information. The uncertainty of whether my data has been misused lingers, creating undue stress and financial strain.

Despite assurances that proper security measures were in place, my personal and financial security was compromised due to Equifaxs failure. I am seeking a resolution that acknowledges the burden placed on me as a result of this breach and ensures that the necessary actions are taken to rectify the harm caused.
Product: Debt collection

On XX/XX/XXXX, I submitted a dispute letter to Experian regarding XXXX XXXX account listed on my profile. The debt in question is documented as paid and charged off. According to the IRS, once an account reaches charge off status and the lender has indicated it as discharged debt on their taxes, the debt is considered canceled or forgiven. This forgiven debt is now classified as taxable income and should not be reported to a consumer 's credit report as outstanding debt. 

Experian recently provided an update on XXXX XXXX stating that the debt has been verified, yet they did not supply any documentation regarding how they verified the debt despite my request. I have been disputing this account since XX/XX/XXXX and have not received any proof from the creditor to support their claim.
Product: Mortgage

I was given a loan estimate for a home mortgage by XXXX XXXX, I was interested in a XXXX interest rate lock. The terms were favorable so I applied for the loan and payed {$500.00} application fee. When I went to lock the rate, the fees associated with the mortgage and interest rate lock were very different than the estimate initially provided. This was because in the original loan estimate XXXX XXXX had provided, demonstrated an origination fee of 1.406 % ( which did not reflect the XXXX rate lock ) and in the final estimate the fee was 2.906 %. 

I explained to XXXX had he been transparent with the fees from the beginning, I would have never applied for the loan with his bank and I would not have paid for the {$500.00} application fee. He stated that the application fee is not refundable. 

Essentially, he provided false and misleading information. I paid an application fee based on that false and misleading information. I have extensive correspondence via email and text that I am willing to provide to corroborate my claims. XXXX XXXX mislead me regarding the fees associated with the loan. Didn't provide an accurate estimate, provided an estimate for a financial product I wasn't interested in and led me to believe it was going to be similar for the financial product I was interested in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and Experian has not been providing me the protections and services required by law. The law states that since I am a victim of Identity Theft I am supposed to provide a completed FTC Identity Theft report and valid proof of my identity to Experian and as long as I do that Experian is supposed to BLOCK the accounts I am stating to be fraudulent.. I have made numerous attempts both over the phone AND in writing to get them to BLOCK fraudulent information ( see the attached for details of the accounts I am referencing ) discovered on my report and all I have received back from them is bogus responses saying that the creditors CERTIFIED to them that the information is true and correct.

First, they did NOT immediately block the information which they are required to do by law.

Second, they sent me a response letter saying that the companies CERTIFIED to them that the information was correct.

By law they are supposed to VALIDATE, not CERTIFY, by retrieving and providing ME with a valid contract with my signature on it. They have refused to follow the law and it has me and my family tremendously as we are trying to deal with a pandemic and their outright REFUSAL to follow the law is making it impossible to rebuild my credit due to these fraudulent accounts keeping my credit score down in the dumps.

Experian has been horrific with their customer service and their willingness to follow the law, and it HAS TO STOP. I am doing everything I am required to do by law and all I am asking in return is that Experian do the same by BLOCKING the fraudulent accounts. 
XXXX  AND XXXX have already blocked these accounts and did so without hesitation once I notified them because they KNOW and FOLLOW the LAW. 
Experian has been negligent and is violating my rights. They need to be STOPPED
Product: Checking or savings account

I have opened an smart checking account with US Bank with a promotion code over phone. But later after meeting the required criteria, bonus was not credited... I dialled up customer service and informed about the issue. They informed me that there was no promotional code was applied to my account. After insisting, they said will raise a request with research team and asked me for the code which was used. I told as it was over 3 Months, But on insisting I gave them a code which I could find on internet, and said it might be the code. They informed me that a ticket was created with research team. After a week I dialled the customer service again but they informed me that request was denied as it does not meet date criteria in which account was opened. So I asked them to check if it was some other and trace it call records as I opened the account through phone banking and use that promo cod. But they denied saying they can not check that call records and bank denied me with promotion bonus even after meeting the required criteria. As per the promo code, I was eligible for {$500.00} bonus. They denied taking any further request to look into the issue.
Product: Debt collection

This debt collector has been reporting negative and inaccurate information that's hurting my credit and will like for you to investigate this account. I understand I underwent XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

362
Product: Money transfer, virtual currency, or money service

I was trying to accept a payment for an online sale via Zelle which I had never used before. The person who scammed me ( I know now ) sent an email saying my account was frozen because I could only accept a lower amount than they had sent and that they needed to send a higher amount that I would then need to send back to them. I called my bank and my account was frozen so they unlocked it for me. And I sent the money that I thought had been sent through. Then I got an email from Zelle saying the person had double payed by accident and they wouldnt release the funds until I sent another {$500.00}. I tried to contact Zelle but you can not talk to anyone at that company when you call. I wanted to confirm that any of this was correct ; I talked to my bank several times and they did not flag this. I finally realized it was a scam when they said the ladies account was locked and I needed to send additional funds via XXXX. So Ive lost {$1000.00} right before XXXX and because XXXX cant get in touch with anyone from Zelle I have so chance at notifying them that this persons account is being used for fraud.
Product: Credit card

I made a purchase directly from the Capital One offers portal on XXXX for {$3100.00} on XX/XX/XXXX at XXXX. I ensured I made the auction purchase following exact guidelines of the terms and conditionals of the promotional offer of receiving 4 % cash back. The next day, I went the Capital One offers shopping trips area to see that the purchase was registered as " active '' to make sure Capital One rightfully recognized the charge. Today however, the purchase showed " inactive '' which is not correct. I made this XXXX purchase within 5 minutes of winning the XXXX through the direct portal into Capital One XXXX offers.
Product: Credit reporting

I have a Value City Furniture Synchrony credit card I make all my payments on time in pay more then what the minimum is, the month of XXXX 2015 I checked my credit reports in notice that Value City Furniture/SYNCB was not report my credit info correctly for the last 3 months so I disputed with the credit bureau that the balance is incorrect but Value City Furniture/SYNCB never respond to the bureaus so all XXXX of the credit bureaus deleted Value City Furniture / SYNCB which has impacted my credit score.
Product: Credit reporting or other personal consumer reports

Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Chase in XX/XX/year> and deposited two checks : 1. One check from EDD ( Employment Development Department ) 2. One check from my car sale company Shortly after, Chase closed my account without warning. When I visited the branch, the manager confirmed that my account was closed due to a mistake made by the banker who initially set up my account. However, despite acknowledging their mistake, Chase **has been holding my money ( {$7000.00} ) for five months and refuses to return it. 

I have taken multiple steps to resolve this issue : - I visited the branch 10 times, trying to recover my money. 
- I spoke to the branch manager twice, and they confirmed Chase made an error. 
- Chase claims they can not verify the checks, particularly the one from EDD, and is using this as a reason to keep my money. 
- However, Chase also refuses to contact EDD directly for verification. 
- This has caused me severe financial hardship, as I need the money and have **accrued interest ( XXXX ) on my credit card** because I can not access my own funds. 
- This situation has also **caused extreme stress** and even led to a **panic attack** during one of my visits to the branch. 
I had to leave work multiple times during the day to visit the bank, which has caused disruptions to my job. I work in security at XXXX, which is a high-pressure, stressful role, and this situation has significantly increased my stress levels. The ongoing frustration and financial uncertainty have made it difficult to focus on my job, affecting both my productivity and well-being. 

Despite all my efforts, Chase continues to hold my money unfairly. I am requesting immediate action to release my {$7000.00}, which Chase is wrongfully keeping due to their own mistake. If this issue is not resolved, I will have no choice but to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) Equifax INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXXXXXX XXXX XXXX XXXX  CREDIT CARDS XX/XX/XXXX ( XXXX XXXX XXXX CARD XX/XX/XXXX ( EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX CARD XX/XX/XXXX ( XXXX XXXX XXXX XXXX MISCELLANEOUS FINANCE XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Credit card or prepaid card

Credit card or account was issued under my name. I have been having a fraudulent freeze on my credit and identity ever since 2020 due to me loosing my license and people using my identity to open accounts and credit accounts.
Product: Debt collection

I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.
Product: Checking or savings account

Ref. : WELLS FARGO BANK, N.A. - a/c opening Branch : XXXX XXXX, NJ Our a/c # XXXX - Balance as of XX/XX/XXXX {$240000.00} Since XX/XX/XXXX, the bank, for unexplained reason, unilaterally blocked/closed the account and held the sizable balance which was released to me/us over five years later, in XXXX, after 52 letters to the bank and to various Agencies ( Attorneys General, OCC,  Banking Dept, etc. ) were filed. 
Furthermore the bank asserted that our money had been turned to the State Dormant Accounts and that a check was mailed to me/us. No evidence ever given. 
Since I/we claim financial damage for the abusive activity of Wells Fargo, please intervene with your authority to have the issue settled. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit card or prepaid card

Case XXXX XX/XX/XXXX, {$1500.00} was paid via electricians XXXX account to re-wire the electricity at my house. The deposit was {$1500.00} and he charged {$90.00} for tax. Five or so days later he didnt have the money in his account so I called Capital One and was told there was a hold on the payment and I asked for it to be released. By XX/XX/XXXX, the electrician still had not received the money so he asked me to cancel the payment and pay him a different way. So I paid him {$800.00} via a cashiers check on XX/XX/XXXX from my XXXX XXXX XXXX XXXX account and XX/XX/XXXX for XXXX with the Capital One card to satisfy the deposit for electrical services. 
A week or so later, XXXX XXXX said that he never received the {$700.00} payment because he had a closed bank account linked to his XXXX account and could not get that money. So I called Capital One again asking for an adjustment so I could pay him a different way. 
On XX/XX/XXXX, I submitted a XXXX payment for {$720.00} ( includes process fees ) so that he could get the {$700.00} from my credit union account. 
XXXX XXXX has been paid in full for his services. XX/XX/XXXX and XX/XX/XXXX, I paid him {$750.00} each time. The total cost for his services was {$3000.00} and he has been paid in full. 

However, Capital One claims the money was sent to XXXX XXXX for {$1500.00} and he maintains he never received it. I have been disputing the charges with Capital One, the Credit Bureaus, and tried to with my bank but nothing has happened. Now I owe {$3000.00} in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted documentation and Numerous times and cord customer service or several occasions regarding inquiries that was unauthorised and / fraudulent refused to remove inquiries from personal credit report The company requested training credit report and also have received documentation of reversals that inquiries have not yet to be re move for my TransUnion Report TransUnion refuses to do diligence and to my particular situation And make the necessary adjustments Transitionally refuses to offer assistance and representatives of credit bill representatives of credibule have been rude on professional put on professional Uncompassionate of the difficult times that our nation is facing
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information on my credit report in reference to an account with the nameXX/XX/XXXX account number XXXX XXXX I settled the debt in full with the collection agency, and the removed the debt from my credit, but the original creditor still remains on the account even though the no longer hold the debt and sold it off to the creditor, whom I paid in full. This is a violation of my Fair Credit reporting rights, because they original creditor XXXX XXXX XXXX XXXX off this debt on their taxes, and made money on selling the debt to the collection agency, and they are still reporting it on my credit as if I owe them, which is hurting my credit score.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX