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

EQUIFAX, XXXX, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

EQUIFAX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent EQUIFAX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to Equifax that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell Equifax to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to XXXX. 

What the the XXXX is that? I AM THE CONSUMER AND XXXX TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from Equifax stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that Equifax DO NOT follow Federal Law!!! EQUIFAX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

Equifax is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations Equifax is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Equifax is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose Equifax is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse Equifax reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) EQUIFAX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate Equifax and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN EQUIFAX!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX Texas XXXX. I have unknown or fraudulent addresses appearing on my credit report and other incorrect information I am requesting that these items be removed and updated. 
Please remove the following addresses : XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX TX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Georgia XXXX 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Subject : Urgent Complaint and Request for Settlement Navy Federal Credit Union To Whom It May Concern, My name is XXXX XXXX, and I can be reached at XXXX or by phone at XXXX. I am writing to formally address the severe and discriminatory issues I have been experiencing with Navy Federal Credit Union ( NFCU ), which have caused me significant distress, financial hardship, and emotional suffering. 
XXXX. Account Restrictions : My access to all NFCU services, including phone banking, branch services, and the mobile app, has been unjustly restricted, leaving me unable to check my balances, make payments, or utilize my credit and debit cards. 
XXXX. Denied XXXX Credit Card Applications : Despite improving my credit and legally changing my name, I have been repeatedly denied a XXXX credit card without valid justification. 
XXXX. Discriminatory Treatment : As a XXXX XXXX  woman, I have been subjected to discriminatory actions, including being forcibly removed from an NFCU branch and treated as though I were a criminal. 
XXXX. Lack of Correspondence : I have sent numerous written letters and over XXXX emails to the addresses provided by NFCU with no response or resolution. 

The impact of this situation has been severe, particularly during the holiday season. I am unable to access my funds, manage my accounts, or make necessary payments, which has left me in a state of financial crisis. 

Relief Sought : Immediate reinstatement of full access to my accounts, including phone, branch, and mobile app services. 
A fair financial settlement to compensate for the undue hardship, discrimination, and emotional distress caused by NFCUs actions. 

I trust you will address this matter urgently. Failure to resolve these issues promptly will leave me with no choice but to escalate this matter further through legal channels and relevant consumer protection agencies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I totally disagree with Exeter Finance Corporation 's response. Exeter Finance Corporation failed to address the Real Issue and is hiding the fact that they are scamming consumers. Exeter Financing is a scam and its Shady Financing is unscrupulous. On or about XXXX 2014, I entered into a Retail Purchase Agreement with XXXX /Exeter Financing Program XXXX I was NOT employed by XXXX at that time and was not told that I would be fired if the Customer Rating falls below XXXX. XXXX XXXX failed to do a thorough check on my " Proof of Income '', thus without checking the income they put me in this high interest loan with exaggerated monthly payments. Driving for XXXX never generated that much of income to pay that high monthly payments. The intricacies of their financing program has really hurt my credit score and is n't helpful at all. It basically is a trap in a cycle, working for XXXX to pay for the car I signed up for under the guise of steady, gainful employment from XXXX. As stated in my claim I was terminated just a week after my purchase of this vehicle. On or about XXXX 2014, I made many calls to Exeter Finance that I would like to surrender my vehicle but they hang up on me and told me not to contact them anymore. I contacted Kia Dealer and they informed me to contact Exeter Finance as the car now belongs to them. Enclosed is my letter to Exeter Finance requesting them the same. However, they ignored me completely and continued to bill me for this high funded loan. I did not enter into any kind of agreement or sign any documents with XXXX as an Independent Contractor, the findings from government agencies state that this strictly an employee status NOT an Independent Contractor. Thus Exeter Financing Auto Loan is a fraud and scam, the drivers ' paychecks are docked to repay the auto loan. XXXX takes a 25 % from their driver 's and additional fees, there is no way a driver can pay {$980.00} monthly payments with this loan structure and unstable employment from XXXX.
Product: Credit card

Recorded Phone Call with Creditor ( XX/XX/XXXX ) : https : XXXX Issue : Creditor processed Hard Inquiry for CC application but failed to process application correctly ; Customer provided faxed request documentation ( by Creditor ) for verification and Creditor still denied application based on invalid reasons Message sent to Credit Bureau for Dispute XXXX XXXX I am disputing this item due to the invalid processing of the application. The creditor declined the application for invalid reasons, despite the applicant providing adequate requested documentation. Invalid reasons cited include being unable to verify the Home Address, Name, and Date of Birth. The applicant faxed the documents on XXXX and the creditor declined the application on XX/XX/XXXX. I request the immediate removal of this negative item from my credit report. Please address this dispute promptly. Thank you. ''
Product: Debt collection

I had five calls right in a row from Comenity Bank regarding my woman within credit card that is less than 30 days late. I called them last week to let them know that if they dont stop calling that they will hear from my attorney. This morning, the same thing happened, this time it was five calls right in a row. I called them again and advise them again of the same thing and to please stop calling me. So Ive had 10+ phone calls from them within the last six days.
Product: Mortgage

I received an offer letter to purchase a home refinance from Quicken Loans. Knowing that the standard practice is to specify any points required to buy down an interest rate with a specific credit score we allowed XXXX to inquire with the credit bureau. They respond stating that the pre qualified offer letter we received that says we can refinance at 3.5 % with a minimum credit score of XXXX was falsely advertised. A credit score of XXXX would require a purchase of XXXX points whifh the offer letter did not state. We met the LTV and debt to income requirements. 

In short, we were responding to an offer for a specific rate of interest on a refinance with the required minimum score and allowed a hit on our credit file based on the absence of any associated costs in the offer, we assumed standard closing costs etc. This offer leyter was a scam that costs our fragile credit rebuilding challenges a burden we did n't need.
Product: Vehicle loan or lease

I am a victim of fraud. XXXX XXXX XXXX who has an account with XXXX XXXX used my debit card to make his car payments without my permissiion. I have contacted the XXXX  and XXXX response was more about protecthing him then the fact that he stole my money. I contacted my bank to dispute the transaction but XXXX XXXX has yet to make it right. This transaction happened on XX/XX/2023 in the amount of XXXX. This company lets him ride around in a car that he stole my money to pay for. This is just insane. I will never purchase any product from XXXX and will tell all of my friends and family to stay away from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts appear to be inaccurate in terms of reporting, including inaccurate amounts and dates.
Product: Checking or savings account

I have enough funds on my account and the bank is charging for non sufficient funds. Inclusive the bank sent me a letter indicating that there will be a {$0.00} charge for the ( false ) non sufficient funds on the account. This is a theft from the bank Santander of XXXX XXXX.
Product: Mortgage

I got a conventional mortgage in XXXX from Wells Fargo. I put 30 % cash down and had a 30 year fixed rate. No problems until XXXX when, because of job loss, I fell behind in payments. I applied for a loan modification and after much run around it was granted. It really wasnt much of a modification they simple lowered the payment but they kept accruing fees and deferred interest. Out of know where they said I was in default and started foreclosure. I felt that many times when I got them on the phone they were just playing me such as saying we are waiting for confirmation wait wait we got it my mistake your not approved. The reason they gave for starting foreclosure was late payments. This is absolutely wrong because they were constantly misapplying my payments- the delay was their fault. In short, I put my house on the market, sold it at a loss and had to bring a check to the closing because the fees ( late payments that were their fault, fees that made no sense, inspections and other ). My question- in the ten years since this happened Wells Fargo has continued to be fined for illegal actions toward consumers. I thought the Great Financial Crisis was a one-off but it appears Wells is an ongoing criminal enterprise. Is it too late to go after them for the pain they caused consumers? I used to work in the investment banking world so I know the games they played and believe someone ( people ) need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these unknown addresses that I don't recognized to show up on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX HAS REFUSED TO INVESTIGATE INACCURATE INFORMATION THAT IS REPORTING ON MY CREDIT REPORT.
Product: Checking or savings account

XXXX months ago chase bank closed my account without any notice and never returned the money in the card to me. chase bank initially promised to return the money to me after checking my account in a month but kept waiting for XXXX months without sending me the money. I called the bank many times during the waiting time but they always told me to wait and said they didn't know how long it would take and that there was a possibility that they wouldn't give me my money back. I am a student and I don't have that much money and I am living a very difficult life right now. I don't have any money on me due to chase bank suddenly closing my account. I have about XXXX XXXX  in my account which is my living expenses and I hope chase bank will hurry up and give me my money back.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple inaccurate negative accounts and unauthorized inquiries that should not be there. Despite my efforts to dispute these errors with the credit bureaus, they remain unresolved. I am submitting this complaint to request their immediate removal under the Fair Credit Reporting Act ( FCRA ). 
There are several derogatory accounts that are being inaccurately reported on my credit file, including XXXX XXXX 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 Under FCRA 1681e ( b ), credit bureaus are required to ensure that only accurate and verifiable information is reported. Since the furnishers of these accounts have failed to provide sufficient proof that the information is accurate, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ).

Additionally, there are multiple hard inquiries on my credit report that I did not authorize. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA XXXX ( a ) ( XXXX ), a company must have my explicit consent or a legally permissible reason to pull my credit report. Since I never applied for credit with these entities, these inquiries must be removed immediately in compliance with FCRA 1681b ( f ).

I have already taken action by disputing these inaccuracies with the credit bureaus. Despite sending formal disputes, these errors remain uncorrected. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must investigate disputes within 30 days and remove any unverifiable information. Their failure to do so is a violation of my consumer rights. 
To resolve this issue, I request the immediate deletion of all inaccurate negative accounts and the removal of the unauthorized hard inquiries. I also request written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported in the future. If these actions are not taken, I will consider legal remedies under FCRA XXXX, which allows for statutory damages in cases of willful noncompliance
Product: Debt collection

On XX/XX/2023, I viewed my XXXX, XXXX and XXXX consumer report and located a negative credit report from LVNV FUNDING LLC XXXX XXXX RESURGENT CAPITAL SERVICES L.P. On XX/XX/2023, I sent a notice of dispute, debt validation and cease and desist to the debt collector to communicated with me thru mail only. On XX/XX/2023, RESURGENT CAPITAL SERVICES L.P. sent me an alleged statement to validate the alleged debt. Unfortunately, a statement is not validation or verification of the alleged debt. In a communication dated XX/XX/2023, they sent me what seems to be a debt validation letter which seems deceptive to me as the debt collector has all ready taken adverse action against me.
Product: Mortgage

I sold my home and closed on XX/XX/XXXX. At the closing the attorney had us fill out a closing packet with my new address to Truist ( the bank that the mortgage was through ) so that they would have the address to send the remaining escrow amount check to. On XX/XX/XXXX, I received a call from XXXX  XXXX XXXX fraud department saying that someone was attempting to deposit said escrow check into their account but could not produce proper identification. I told them it was absolutely not me and they said they would not allow it to be deposited and told me to call Truist to have them place a stop payment on the check and send me a new one. I immediately called Truist and found out that they had sent the escrow check to the old house that was sold. They said they could tell the check had not been cashed yet and they placed a stop payment on the check and would issue a new check and confirmed the correct address. On XX/XX/XXXX I received a letter from Truist with a copy of the cashed check that they were supposed to place a stop payment on. Who ever stole the check forged my name and even with me calling and telling them to stop payment, it was allowed to be cashed any way. I have opened an investigation with the police in the county the check was sent to. I called Truist back on XX/XX/XXXX to ask why I received the copy of the check rather than the check for {$3000.00} that they were supposed to reissue me. They said that they could not reissue the check because it had already been cashed. I told them that the check was not sent to me and they were supposed to place the stop payment and I was told that I would get a new check. I filed a complaint with Truist that day and asked for a clearer copy of the check to give the investigator for their research purposes. I called once again to Truist and asked if they could reissue my escrow check because it was not my fault that they sent it to the wrong address and my check was stolen rather than the one provided in the closing packet the received. I have tried multiple times to resolve this with the bank but they are still telling me that they will not reissue my escrow check.
Product: Credit card or prepaid card

I ordered a secured credit card back in XXXX of 2020 and never recieved the card, I tried to reorder but due to my phone number having changed they could not verify me. So i went to order a new license from oklahoma state. The wait is 6-15 weeks for a driver 's license to be mailed. My DL was never received so i denounced my DL to obtain an AR ID. Now Capital one is denying me access still even though I stated my information had updated and i was trying to reorder my card i never received, please help.
Product: Checking or savings account

Week of XX/XX/XXXX card declined and overdraft privileges denied. Account remains in closing status. 
XX/XX/XXXX ATM deposit mad and no part of funds released. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX issued unresolved. 
Bankers including two branch managers and an account rep unable to determine why account is closing. 
Online bankers transfer me to the same departments and no supervisor will speak with me. 
I was not able to pay rent on XX/XX/XXXX. Car payment is not paid. Auto insurance lapsed. I pay money to cash my check. 
Risk management initiated the hold.
Product: Credit reporting or other personal consumer reports

Can not get in the Experian Credit Bureau to unfreeze our account. No access at all.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  XXXX  that has no credit history. After applying for student loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid officer next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a XXXX XXXX XXXX XXXX XXXX. The accounts were open fraudulently.