23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I made a mortgage payment to XXXX XXXX ( {$1900.00} ) through Wells Fargo XXXXXXXX XXXX. The check was deposited on XX/XX/XXXX. XXXX XXXX says it is not them who received and deposited the check. On the back of the check it says " XXXX, XXXX '' is the company who deposited the check. Since XXXX XXXX did not actually get the check, my mortgage payment was late and remained that way for a few months ( which has negatively affected my credit ). I called Wells Fargo and they stated, " There is no way we would allow another company to deposit a check that was not meant for them. '' After many, many more phone calls, and XXXX XXXX investigating and determining they did not receive the payment, I contacted Wells Fargo again. They investigated and said that someone deposited the check ... .duh ... They then proceeded to tell they would send me an Affidavit that I needed to sign and I needed to have XXXX XXXX sign affirming that they did not receive the check. I never received anything in the mail. After 3-4 times of me calling Wells Fargo to say I never received an Affidavit, I finally got one in the mail on XX/XX/XXXX. I took it to XXXX XXXX on XX/XX/XXXX, got it signed and notarized and mailed it back to Wells Fargo on XX/XX/XXXX. When I called to see if they had received it, they said they got it on XX/XX/XXXX. I called to follow up today, XX/XX/XXXX and they are " still working on it. '' I have had it and want my {$1900.00} returned to me. I have since paid my mortgage payment so I am no longer delinquent. Wells Fargo said at this point when they finish their investigation, they will refund me directly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year> in which I formally disputed the accuracy of certain collection accounts on my Equifax credit report. The disputed accounts and their respective account numbers are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your attention to this matter and understand the time required to conduct a thorough investigation. However, as the 30-day timeframe outlined in the Fair Credit Reporting Act ( FCRA ) has passed, I am eager to receive an update on the status of the investigation.

I kindly request that you provide me with the following information : 1. The current status of the investigation into each disputed account.

2. Any findings or updates regarding the accuracy and validity of the reported information.

3. Any actions taken to rectify inaccuracies or incomplete information.

I emphasize the urgency of this matter, as the presence of inaccurate collection accounts on my credit report is adversely affecting my financial standing. I am aware of my rights under the FCRA and trust that Equifax is committed to ensuring fair and accurate reporting. 
If additional time is required to complete the investigation, please provide a reasonable timeline for resolution. Your cooperation in promptly addressing this matter is crucial, and I look forward to a timely response.
Product: Debt collection

I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, I.C. System, Inc mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that I.C. System, Inc reported a derogatory account to the CRAs which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.
Product: Credit reporting or other personal consumer reports

Quick pay funding llc inquiry on XX/XX/23 Also experian has yet to delete This is due to the data breach of XXXX, we're my information was purchased of the dark web. 
XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX This account was asked for a re-investigation for accurate information and this debt was sold at account and the reporting agencies failed to report this information. I uploaded the proof were they did not cure the in accuracy and it must be deleted XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I contacted XXXX to inform you that I had been in an accident, and the XXXX XXXX  I purchased from XXXX in XX/XX/XXXX was deemed a total loss by my insurance company. I also notified you that the insurance company would remit payment for the vehicle. In XX/XX/XXXX, I contacted XXXX again as I was purchasing another XXXX through your company. During that conversation, a representative confirmed that the account was fully paid by XXXX XXXX, the balance was zero, and the account was closed, allowing me to proceed with the new purchase without any issues. 

However, in XX/XX/XXXX, when I checked my credit report, I noticed a balance of {$2700.00} still owed on the account and negative marks indicating that the account was 90 days past due as of XX/XX/XXXX, as well as 30 days past due as of XX/XX/XXXX and XX/XX/XXXX. 
I reached out to XXXX again in XX/XX/XXXX to address these discrepancies and was informed that the balance was indeed owed. I requested a copy of the documentation and a detailed report showing how the insurance payment was applied to the account. Unfortunately, the representative informed me that she could not provide that information immediately but would submit a request to have it mailed to me. 

I contacted Experian and spoke with a representative who stated a dispute would be opened and I would receive a status update in 30 days. I never received an update, I called Experian again in XX/XX/XXXX and was informed no dispute had been filed. The associate advised she would file one again on my behalf and it takes 30 days. I also contacted XXXX who directed me to XXXX and I've left several messages for them without a response. Additionally, Experian 's report shows conflicting information regarding the original loan amount, listing {$24000.00} in one section and {$24000.00} in another. Under the comments, it states that the debt was being paid by insurance from XX/XX/XXXX through XX/XX/XXXX. 

Given that my account was previously confirmed as paid in full and closed, and that my credit report reflects the debt being paid by insurance, I am seeking clarification on why my credit is being negatively impacted with past-due ratings and why the loan amount and balance information are inconsistent.
Product: Checking or savings account

Chase Bank refused to help me for charges originally disputed in Feburary 2024, I called to check the status of the dispute on XX/XX/XXXX because I had not heard or received the funds I am entitled to recover according to my contract, Chase Bank stated the employee never filed the claim on my behalf and that they didnt even see where a claim was noted on my account leaving me devastated, I am being refused service and given dishonest responses from the bank now that they are still responsible, I was denied benefits from a irresponsible employee and being given excuses as a result of poor customer service on their behalf, I have been deceived by Chase Bank XXXX they will not honor their mistakes.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with XXXX I have disputed two Company Credit acceptance they put false information on my report and the other one is Globe Lending I have written a letter on the disputed both because I call credit acceptance XX/XX/2022 and talk with them and the ss number was XXXX on the account my last XXXX is XXXX and I was told I had co sign for a XXXX XXXX and I do not know this person at all and XXXX all all number on there report and my XXXX XXXX have not change in months and I do not know why some of my creditor has been reporting to them and they are not on my credit at all and I have ask XXXX to investigate several time over the years and nothing was do with this problem and on XX/XX/2022 I report Credit acceptance and they was reporting late for and they took down all but one and they both using false information to destroy my credit please help me with this matter I have written the credit bureau with the issue and my score has not changes in months XXXX I call them this month and by me calling XXXX points yesterday XXXX points the credit is not doing there job I am a consumer that pays her bills on time each month but the scores never changes on Exquifax or XXXX
Product: Checking or savings account

Noticed in XX/XX/year> {$4200.00} was taken from my high yield savings through discover bank. XXXX XXXX XXXX XXXX XXXX. Incident report was closed and money was retunded along with issuing new account. Discover would not give me any information on what they found- I was worried my information was compromised. 2 months later ( XX/XX/XXXX ) around XXXX i received a notification {$10000.00} was removed from my discover savings. I go on the account and its the same ACH XXXX XXXX XXXX XXXX. Filed a report with discover immediately and called to follow up today ( XX/XX/XXXX ) as no updates have been given and they tell me the transaction has been deemed legit and they will not be refunding the money. My husband and I called XXXX XXXX but they are not able to send us a written statement confirming we have no accounts. I verified all 3 branches of XXXX has no accounts open with our information. I have filed with the FTC for Identity theft, The FBI and filed a local police report with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has made it impossible to cancel my monthly membership. They only possible solution they offer is calling their service number, and you are placed on hold for hours and Ive never been been extended the courtesy of speaking with anyone. This entire process is clearly and maliciously engineered to hold the customer hostage for an unwanted monthly payment. Its extortion and Experian should be held accountable for their illegal business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud the account is not mine never to any school
Product: Credit card or prepaid card

Our Telephone calls, emails, letters. Don't have all dates but our letters dated XX/XX/XXXX and today XXXXXXXX XXXX. Company responded to our emails and telephone calls with form letters dated XX/XX/XXXX and XX/XX/XXXX and with email XX/XX/2022. Last letter recross dated XX/XX/2022 saying they are correct. 

I can provide copies by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 MY BANK XXXX PULLED MY CREDIT FILE WITH EQ I THEN HAD MY BANK TO PULL MY CREDIT AGAIN ON XX/XX/XXXX AND XX/XX/XXXX XXXX  CAN NOT ACCESS MY CREDIT REPORT FROM EQ I CALLED YOU CANT UNDERSTAND WHAT THE REPS ARE SAYING I NEED TO MAKE SURE EVERYTHING IS ACCURATE ON MY REPORT SO MY BANK CAN TRY AGAIN TO PULL MY REPORT FROM EQUIFAX HERE IS MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX # C XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Attached is a copy of the complaint I sent Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX Georgia XXXX To whom it may concern. 
I recently received a copy of my credit report. And I noticed some late payments posted on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX. 
Child support XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 B. Permissible purpose. Of Consumer Report THE LAW STATES : ( a ) In General Subject to Subsection ( c ) any consumer reporting agency. May furnish a consumer report under the following circumstances. And no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, The Fair Credit Reporting Act 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), The term Consumer Report Does not include- ( A ) Subject to Section 1681s-3 of this title, any ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 
DELETE the above late payments from my consumer report This agency is in violation of 15 U.S.C.1681 Failure to respond satisfactorily with deletion of the above referenced account, And send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company for which I will also be seeking {$1000.00}. Per violation for : 1.Defamation of character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practice Act 15 U.S.C. 1692g Violations 4.Fair Credit Reporting Act 15 U.S.C. 1681 Violations for willful non-compliance-616 Civil liability for willful non-compliance ( 15 U.S.C. 1681n ) Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed Experians failure to accurately report information surrounding a credit card that I have had for over 9 years. I contacted my credit card company, XXXX XXXX who advised they have been sending the information to experian. Experian is NOT updating my credit report with accurate data. As a result I am suffering from increased interest rates from various institutions because of Experians unwillingness to investigate issues on their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. Experian was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of XXXX then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Attn : Consumer Relations/Dispute Department Subject : Request for Immediate Review of Reporting and Disclosure Practices Dear Equifax Representative XXXX I am writing to express serious concerns regarding Equifaxs handling and reporting of my personal and financial information. It appears that certain practices may conflict with The Privacy Act of 1974 ( 5 U.S.C. 552a ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6802 ). In particular : 1. Unauthorized Disclosure of Private Information Under the Privacy Act, consumer dataespecially transaction historymust not be shared without explicit, written consent. If Equifax has been distributing my transaction details or other sensitive records improperly, it may be infringing upon my federally protected privacy rights. 
XXXX. Misrepresentation of Charge Off as a Certificate of Indebtedness In many cases, a charge off is effectively deemed a Certificate of Indebtedness and can be reported as income for tax purposes ( e.g., via Form 1099-C ). If Equifax is representing these accounts in a manner that inaccurately portrays my financial situation, such reporting may conflict with FCRA guidelines. 
XXXX. Compliance with FCRA and GLBA FCRA ( 15 U.S.C. 1681 et seq. ) : Consumer reporting agencies must uphold stringent accuracy and privacy standards when collecting and sharing credit information. 
GLBA ( 15 U.S.C. 6802 ) : This statute restricts unauthorized disclosure of nonpublic personal information. If Equifax is releasing any personal data to third parties without my explicit consent, it may be in violation of GLBA
Product: Checking or savings account

Im concerned about the overdraft fees and the lawsuit that is involved with the overdraft fees settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Suddenly I had 2 collection from XXXX XXXX XXXX now theres 7. I contact them they say theres nothing with my name I received mail from them my address someone elses name and I have lived here for 10 years. I dispute with Equifax 7 times each time exactly 3 days later comes back verified but I dont get any documentation that the debt is mine. I am at my wits end because I know its not my debt and no one helps nor do they send me documentation which is my right!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Equifax asking them to verify what I believe to be incorrect information reporting to my credit report regarding some inquiries I have no knowledge about. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit card or prepaid card

My husband 's business card was stolen and so he had to use our chase XXXX card to make payment on XX/XX/XXXX for {$500.00} and then again on XX/XX/XXXX for {$5100.00}. We had n't used our XXXX card for several years prior to this. My husband received his new business card and frankly forgot about the two charges he made on the XXXX card and never used it again. We received no statements from chase XXXX for the charges he made. On XX/XX/XXXX I received a call that our account was several months past due. I had no clue of the charges and thought perhaps they were fraud because they were on a card we never used but I recognized one of the merchant names and said I would talk to my husband and get back to them. My husband confirmed the charges and I called back and said they were ours and I paid them that day. However I did n't feel that the {$320.00} in fees and finance charges was fair because we had n't ever gotten a statement. The customer service rep told me they were being sent electronically to email address XXXXXXXXXXXX which was an old email address that I had no choice in closing several years prior. Also I never requested them to be sent to me electronically I have statemebte sent to our physical address. I asked why statements were n't sent through postal after a couple of months of non- payment because they had my physical address and I was told they do n't do that. How about a phone call I asked because if you look at the history on my account for the seven years we used it, it was paid in full and by the due date every month. She said they do n't do that either. She was willing to remove three late fees but would n't remove any more fees. I do n't feel that it is fair to have my husband 's and my credit ruined because we did n't receive notice for over four months that our account was outstanding. We had a current physical address and phone number on file and should have been contacted prior to $ 300+ in fees accumulating on our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have already called them and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.