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

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM A VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spoke with Agent XXXX ( exgXXXX ) in regards to fraudulent accounts XXXX, XXXX Funding, and XXXX asset Management who confirmed Equifax would be removing or deleting those account items from credit report within 24 to 48 hours. On XX/XX/2021 I spoke with XXXX agent ( XXXX  ) confirmation number XXXX and on XX/XX/2021 case number XXXX in regards to the these accounts that were initally deleted or removed and were placed back on my Equifax credit report after several disputes including a police report along with a notarized affidavit. As of today these accounts have re-aged or re-appeared back on my credit report after being blocked which has caused an unforturnated financial hardship in my applying for mortgage recently in which these accounts never should have been reporting on my credit file under sections 605b, 609, and 611 of the Fair Credit Reporting Act. I find these actions to be in clear violation of my consumer rights and is totally uncaccepatable. Also certified correspondence was received by Equifax on XXXX at XXXX tracking ( XXXX ) in regards to the fraud related accounts.
Product: Mortgage

Sometime during XXXX ( we think ) our mortgage was sold from JG Wentworth to Freedom Mortgage. We were notified of the sale during this time, including notification to pay Freedom during XXXX. We had no way of paying Freedom until XX/XX/XXXX when their introductory letter was received. The letter from Freedom was dated XX/XX/XXXX - this was for a payment that was due on XX/XX/XXXX! We paid immediately in order to avoid fee 's and a hit to the credit report. We have no received a letter saying our payment may be delinquent! This is outrageous. We should be given plenty of notice regarding with whom to make a payment.
Product: Debt collection

CKS PRIME INVESTMENT {$670.00} Company has parked an alleged debt on my consumer report without authorization
Product: Credit reporting or other personal consumer reports

I file this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

My loans were forgiven in full in XXXX. I show that the credit card companies have received info from Mohela, but it still shows my loans are active and in repayment with the full balance listed as owed.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have a savings account with Capital One, I called Capital One customer service to access my personal savings account. Capital One customer service rep asked me for my social security number, date of birth, old phone number and new phone number, old address, and new address so they can update my account, Capital One customer service rep also asked me to upload a picture of my id. 
Capital One customer service denied my verification and refused to give me the account number and denied me access to the savings account. I gave Capital One all the correct information to access my account, and they still refused to help me. I asked Capital One to close my savings account, since they are refusing to allow me access to my savings account. I want Capital One saving account closed for good. Capital One system needs to be updated. Capital One imposed on me to share my social security number, and according to ConsumerFinance.gov states I am not required to provide my social security number to open a checking and savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres are XXXX closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided
Product: Credit card

I had a credit card with Capital One, and because I mistakenly forgot to pay a {$28.00} bill, I was assessed a {$36.00} late fee plus interest. When I asked if they could forgive this as I had never missed a payment, they refused, and furthermore, had frozen my XXXX  XXXX in accrued rewards, so that I couldn't even pay off the pittance of {$28.00} with my accumulated funds. Rather, they claimed that I had forfeited that money. I complained, wrote to their XXXX XXXX XXXXXXXX in a Certified Letter, and got no response, save a series of dunning collection letters, in which my debit was later sold to a third party collection agency that demanded full payment of now $ XXXX. Instead of capitulating, I shared with them my letters to Capital One, and also threatened them and their client with a wrongful lawsuit for defamation if they continued. They since ceased all actions, and wound up sending me a letter that they had reversed charges. 

In the meantime, I had opened another credit card with XXXX, and even explained to their customer service. the horrible experience I had had with Capital One, and was so glad I had switched to XXXX. Now, I hear that that disgusting, uncaring, consumer despising company Capital One is buying XXXX??? Please look into how Capital One operates, they are disgusting thieves and XXXX, and I told my customer rep at XXXX that once they are bought out, I am cashing out of my accumulated funds and closing my account. I have no intention of dealing with those nasty, uncaring XXXX  at Capital One. You can also tell whoever at Capital One reads my complaint, I have a very big file of their and their collection agency misdeads.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries, that i do not recognize on my reports dated Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted these Credit Breaus one by one saying these Inquirys were not authorized by me and i dont recognize them, their reply is call the place that made the inquiry which i did and they said call the credit breaus they are the one to remove them so i am being thrown around like a ball.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing because Experian credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Experian would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 )  they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Product: Credit reporting or other personal consumer reports

i filed a ftc and police report alerting capital one about # XXXX account several times and again on XX/XX/2024. It is fraudulent and not mines. and what it removes asap.
Product: Credit reporting or other personal consumer reports

I am unsure I why I am having this consistent problem with Experian, XXXX, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted XXXX XXXX from my credit report due to lack of verifiable proof, agreement with XXXX XXXX with my signature, and other reasons. I can't understand why Experian and XXXX are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. Experian, XXXX, and XXXX XXXX are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have attached a letter that explains this in further detail to include a letter for CFPB, XXXX XXXX and a statement from XXXX.
Product: Credit reporting or other personal consumer reports

THIS CREDITOR I HAVE REQUESTED VALIDATION OF THIS DEBT AND THIS DEBT HAS BEEN SOLD TO ANOTHER COLLECTION AGENCY WHICH IS ALSO ON MY CREDIT REPORT TWICE. 

THE DEBT HAS NEVER BEEN VALIDATE EVEN AFTER 1 YEAR OF REQUEST FOR VALIDATION. 

REQUEST REMOVAL SINCE NO VALIDATION HAVE BEEN PROVIDED LENDING POINT LLC - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX Creditor Remarks Purchased by another lender Account Type Unsecured Last Payment XX/XX/XXXX Account Verified XXXX XXXX, XXXX Date Opened XX/XX/XXXX High Balance {$15000.00} Term Length 36 Month ( s ) Payment Frequency Monthly Account Rating Payment after charge off/collection Account Description Individual account, Installment account, Unsecured
Product: Mortgage

My VA mortgage is currently held by BSI Financial Services. We made our payments in XXXX and XXXX but, there was a shortage due too escrow under payment. Instead of making payments and trying work with us, they held the payments, did not apply them in XXXX or XXXX, reported us as late to the credit bureaus and continued to charge late fees and are as of today, XXXX, they are still holding funds, unapplied, to XXXX. We caught up the escrow payment 5-6 days ago, that amount is still unapplied as well!! Need assistance as soon as possible!
Product: Credit reporting, credit repair services, 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 Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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

I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. Thank You
Product: Credit reporting

I just received this report from Experian after the last dispute you processed. Before you send it off to Experian, maybe what I am being told by XXXX and XXXX is false, they deleted after last payment was made XXXX years ago? 
This XXXX account was scheduled to be removed and was by both of the other XXXX bureaus. The last payment was just over 7.5 years ago. Experian, they " verified '' it but still leave it on. Experian pay history is correct, last payment was XXXX 2008. What tools or laws do I have to enforce them to delete this XXXX account? Maybe they do n't understand what they are doing? XXXX and XXXX have put in a solid effort to correct my report, Experian, well see for yourself. If want to bother them again, it 's appreciated. I just wish there was a system that we could fine them for not doing their job, like {$500.00} for each violation, just enough to get their attention.
Product: Credit card or prepaid card

capital one credit card is accusing me that I have a 3rd credit card - I only had 2 - this third account is fraud. I paid the other two back in 2021.
Product: Debt collection

I dispute this debt because my XXXX machine is paid off completely and has been over-billed and paid for based on previous correspondence with XXXX and XXXX XXXX. This was paid for in 2013 and now all of the sudden they are trying to get us to pay for it again. 

XXXX XXXX confirmed that the XXXX rental was converted to a purchase on XXXX/XXXX/2013 and was paid off, at most I would ever owe the insured percentage not covered by insurance which would be less than or equal to {$83.00}. This amount was covered by my original payment to you. This information was verified on XXXX separate occasions by XXXX XXXX employees XXXX, XXXX, and XXXX. 

Furthermore, my {$500.00} deductible was met after 3 months of rental payments and thus the remaining payments should have been billed to and paid by my insurance, XXXX per their policy and the pre-authorized agreement. 

I have spoken to this company multiple times and they have stated they will resolve the issue and instead of resolution I get another bill and it has been sold to a debt collection agency. This is beyond unprofessional and is a fraudulent attempt to steal more money from myself and the insurance company.
Product: Checking or savings account

You have all the previous complaints. As said above I asked the bank for reimbursement of money spent contacting them by long distance phone and also compensation for the difficulties it caused me by not having access to {$21000.00} of my funds and having my account closed and having to change my regular pension direct deposits which took a couple of months. 
All of this was the bank 's incompetent handling of my situation caused by them and they did not apologise nor give a reason for denying me reimbursement and compensation. When pressed they said the bank doesn't do that. Surely they should be accountable for their error which caused me great XXXX and difficulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018
Product: Payday loan, title loan, or personal loan

I just received a call from the XXXX county because a attorney purchased a debt. From MyPayDay Loan, what I was told a thrift party purchased my debit an I didnt respond now a attorney filed charges through court, for XXXX these people are the case number is XXXX, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Best Buy has violated my rights as a consumer. After receiving credit from them and making on time payments every month on top of being charged unnecessary fees, Best Buy decided to pull my credit report without my permission and decrease my credit limit. this decrease happened with no knowledge or request to increase my limit. This decrease happened immediately after me making a big payment on my account. Best Buy decreased my account limit from XXXX to XXXX after I brought my account balance down to around {$900.00}. This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! Best Buy has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for best buy Buy to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Best Buys willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
Product: Money transfer, virtual currency, or money service

Bank of America is guilty of gross negligence ; violation of federal laws ; slander, destructive accusations ; illegally making me lose over {>= $1,000,000} in wires to a cryptocurrency scam which are violations of Electronic Fund Transfer Act, 15 U.S.C. 1693et. seq. ( " EFTA '' ) ; fraudulently keeping my money which money was only and only returned weeks later after I complained to CFPB ; violaltionsof Article 4 of the Florida Uniform Commercial Code, Cha. 670, Fla. Stat ; breach of contract and breach of covenant of good faith and fair dealing.

For many years banking institutions have become too familiar with these type of specific scams, therefore, these insitutions have been placed in the best position to stop and prevent these scams from occuring but failed to do so by making me lose over {>= $1,000,000}. Yet, Bank of America has an entire section of its website dedicated to " privacy and security '' Further, despite the fact of having been Bank of America 's client for over forty ( 40 ) years, I was mistreated, slandered in front of my cllients, accused of being a criminal, accused of being involved in money laundering simply because after forty years I decided to wire money and ended up losing over {>= $1,000,000} because Bank of America failed to do their job in protecting me in violation of the EFTA. 

Bank of America 's actions caused me financial and emotional trauma and must compensate me for my losses.