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

Subject : Complaint Against EQUIFAX for Violation of 15 U.S. Code 1681i ( XXXX ) and Failure to XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( XXXX ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed XXXX comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within XXXX business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( XXXX ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  Account Number XXXX I have sent XXXX letters of dispute and I received no reply of proof to legally verify this account, so I do not understand why every time I dispute this account with XXXX, you keep updating as verified when in fact it was not. Transunion and XXXX have both deleted this account because there was no proof and the information reported was inaccurate. Please remove this account. 

XXXX. XXXX XXXX Account XXXX XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. Ive disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within 3 business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and Transunion due to the companys inaccuracies, yet you have failed to do so even after providing proof. Please delete it from my file.
Product: Debt collection

This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to XXXX and Equifax, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you
Product: Checking or savings account

I had savings accounts with Capital One for years before I noticed that some savings accounts were getting 0.8 % or other very low rates versus other savings accounts were getting 5 % or more interest. 

When I called Capital One to complain about this obvious difference, it took them awhile to figure out while different savings accounts ( I have savings accounts for categories like medical expenses, house expenses, etc ) were getting different rates of interest. 

They told me different products even though these are just savings accounts. I had to open new accounts to get current/promoted rates and actually relabeled the old ones Old Low Interest accounts. I thought the whole thing very strange and was irritated about the loss of interest - and that I missed it for awhile.
Product: Credit card

XX/XX/year>. Received a debt collect call said to collect Capital One Credit Card balance whcih was owe 10 years ago. I believe they got my phone number through my new Capital One which applied. I don't thin k it is right. Please advise. Thanks.
Product: Payday loan, title loan, or personal loan

I have already contacted you guys about this and its not resovled and the business is with holding court sealed documents that i provied them with showing i was incarcerated during the time of this account i was incarcerated on 2 separate cases and i served 2 separate sentences for both cases and i provide the business with both documents of this and you guys just let them close the account well its not mine i want it removed off my credit report its not mine so i dont want it closed so its a negative report on my credit yes i may make mistakes but i pay my bills when i have them but this is just not right ive never in my life been to a speedy cash my wife works at money tree here in Colorado if i wanted a pay day loan thats were i would have went so there not removing it and its not mine. My wife works for a pay day loan place and she said by law when a person gets a loan they should have finger printed documents from the person receving the loan well they need to provide these documents because those finger prints will have the proof that its not me ive been a victim of theft someone has stole my identity and i want this removed not closed i want it removed off my credit or i will have to hire a lawer to handle both of these companies that are letting people use my name in theft which is also a crime in it self and i will not let thus go on this is not my account please contact this company and have it removed from my credit not closed because closed is stating its still mine and it shows up on my credit this is not my account its some stealing my identity and it should be removed all the way off my credit report i have court sealed documentes that i will provide you with that shows i was incarcerated during the time this account was opened and ask the companys which are envoled in this act of crime against me and have them remove this completely off my credit report not just close it because its not mine i should not have a debt on my credit if it is not mine i want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and Ive file many disputes to remove these files on my credit report. Investigation did not fix error on my report.
Product: Debt collection

I did not enroll/subscribe for services provided XXXX XXXX XXXX XXXX XXXX XXXX According to the credit report in XXXX and XXXX the account was opened on XX/XX/2016. I don't recall signing up for their services. According to them, I owe {$460.00}. 

I never received any correspondence notifying me about the debt. I have tried contacting them but they are unresponsive.
Product: Prepaid card

Hello XXXX XXXX XXXX I file my taxes XXXX XXXX in my money went to seve/ XXXX XXXX XXXX got the alert my money was in my account XX/XX/XXXX in the got alert that they took XXXX plus XXXX XXXX XXXX XXXX XXXX from my account in serve had everything to do with they not doing anything about it the locked my account cause it was some unauthorized transaction that did in they gave out my information to different they didnt protect my identity at all Im thinking they going to something about it nothing in I want to file a complaint on serve prepaid card they address is XXXX XXXX XXXX XXXX American Express Amex serve card
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriSave Mortgage XXXX in XXXX XXXX mailed a letter stating that the servicing of the loan was changing to XXXX XXXX effective XXXX XXXX and to remit payments to XXXX XXXX  thereafter. 60 days of no late payments until complete. After XXXX weeks of calling back to XXXX XXXX no official letter no official new mortgage account. I was then advised by XXXX XXXX  to call back to AmeriSave Mortgage. I called XX/XX/XXXX AmeriSave neglected to send correspondence stating they had retracted the service change to XXXX XXXX  charged a late fee for the XXXX payment then after requesting that it was unfairly imputed due to their violation in timely correspondence. The late fee was waived as a courtesy and now a negative report to my credit reflecting a XXXX point drop to my credit report showing a late payment on my mortgage. I believe this is fraudulent and purposed to cause harm after filing a complaint with my Alabama attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I alerted Equifax to incorrect information being published to my credit report regarding 3 accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. Equifax has failed to validate the information it has published to my report, they have not sent me any information regarding their method of validation, and the incorrect information is still appearing on my report. It is having an adverse effect on my life, my credit, and my ability to meet my basic needs. 

On XX/XX/2022, Equifax gave a very general, non-specific, non-response to my complaint. I have provided specifics to Equifax on several occasions - there is no reason why my claims could not have been investigated and handled pursuant to my original CFPB complaint regarding this issue ( XXXX ). 

I am creating this second complaint and including more details here for the convenience of Equifax. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment.
Product: Student loan

Navient since it has changed to XXXX has been nothing but a customer service nightmare personally. I have tried to work with this company several times within the last 4 years. I have called to set up payment plans, discuss low income options, and also deferment options. All options were declined. They only gave me XXXX options to settle. XXXX of which was to pay the total bill in full which is XXXX. The second option was to have monthly payments but to put down XXXX grand to start the payment plan. I could not afford either option. I was willing to work with them. However, they were not willing to work with me. Since then, I have been working with a nonprofit Obama program ( for federal ) and a Bank ( for private ) program that is going to consolidate my loans for me so I would not have to deal with Navient. Today, however XXXX XXXX called me, at my place of employment. I have told Navient several times not to call me there and they still continue to disregard and disrespect my requests. He argued with me about my bill, he was trying to talk over me, and when I told him that I was working with another agency because Navient would n't work with me, he stated that no other program could help me because it is a private loan. Side note : There are plenty of agencies and banks willing to reconsolidate student loans. For example, XXXX Bank consolidates private and federal loans into one. I feel like he was trying to persuade me otherwise. He told me he is calling to collect a debt ( as a debt collector ) because the bill had been transferred to a collections department. He told me that he could " work '' with me and started fishing for information. Does Navient have their own collections agency? I told him several times that I was at work. I told him I can not talk due to the nature of my job. He insisted on getting more information. I told him an accessible time he could call me and he told me that he could n't because he does n't work at that time. I requested for him to assign me to someone else who could work with me at a time that is convenient and he ignored me. Again, the company is not working with me. He wanted the names and numbers of the agencies that I was working with. Is that not totally and completely unprofessional? And why would a business who already has their own privacy policy expect to get any other information from another business that has their own privacy policy. I believe their practices have n't changed since they changed their name from " XXXX '' and neither has their ethics. I offered to make a payment plan. It was declined. I asked to have another option, maybe a deferment or a low income status, it was declined. When I specifically asked them not to call my place of employment, the ignored the request and representative XXXX did it anyway, expressing there was no memo ( Even though I know there was XXXX ). All the representatives that I have spoken to along with XXXX XXXX from Navient ( XXXX ) were rude, inconsiderate, and unprofessional.
Product: Debt collection

This company is calling me every single day I dont owe them nor do I know what they are talking about they are harassing me every single day and its annoying
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Product: Money transfer, virtual currency, or money service

I initiated a {$500.00} bank transfer from my savings account to XXXX trading exchange. This is something I had done successfully before multiple times with amounts smaller and larger. I submitted this request on XX/XX/XXXX. 2 weeks time passed, which is much longer than advertised to clear, and I still had not seen my deposit. However, an additional {$500.00} charge was made on my bank account to coinbase. So a total of {$1000.00} was now charged to my bank, {$500.00} of which I initiated, yet I had not seen anything deposited. 

I call Coinbase to get clarification on what is going on. I XXXX the issue, others reported similar stories of being charged twice for a transfer, most of which never got resolved. The ones that did get resolved said they had to file a claim on this website, which is why I am here doing this now. 

So I call Coinbase and the woman on the phone tells me it is mandatory to freeze my account, making me unable to log in and access my funds or crypto currency until this is fixed. I have been given zero information on when this will be fixed, but I suspect it will not be addressed until a larger coorporation, such as yourself, applies pressure to Coinbase to fix the issue. 

I would provide screenshots of my Coinbase charges on Coinbase.com, but since my account was disabled temporarily until this is fixed - I ca n't access that info. 

At this point, I just want my initial {$500.00} deposit returned to my bank account, and for the accidental double charge to be removed. Then I plan to cut all ties with Coinbase and move on. 

Please help me get my money back and figure this out - I am at a loss of what to do. 

Thank you very much for your time and effort in fixing my problem. 

All the best **The screenshot uploaded shows 3 seperate {$500.00} transactions from my Savings Account sent to Coinbase. 2 of which are valid. One was a transfer initiated to their partner site, XXXX, which I never receieved, another was a {$500.00} purchase of the cryptocurrency Ethereum, but one of them was an accidental double charge that I never initiated.
Product: Mortgage

During the Covid pandemic my wife lost her job. We took a forbearance with our previous lender XXXX XXXX. While in forbearance our mortgage was sold to Freedom Mortgage company. I contacted Freedom to reinstate my loan to begin making payments again. My option was to make a lump sum payment for the past due amount or apply for a loan modification. I chose the loan modification as I did not have funds to repay the entire amount. 

I was told that 3 trial payments needed to be made beginning XX/XX/XXXX. We made the three payments and continued making regular monthly payments. We received notification in XX/XX/XXXX that we failed to make our XXXX payment. We had indeed made all of our payments but unbeknownst to us at the time, they assigned our 3rd trial payment to XX/XX/XXXX and our XXXX and XX/XX/XXXX payments were applied to XXXX and XX/XX/XXXX. 

Our only recourse was to reapply for a modification which we did. We received the paperwork in XXXX with instructions to wait upon their notary service to contact us. At the time I was not provided the contact information of the notary. I had multiple subsequent contact with Freedom Mortgage inquiring on when the notary service would contact me. The last time I contacted Freedom Mortgage was XX/XX/XXXX, the representative gave me a number to call directly to the notary service. When I contacted the notary service I was told my paperwork had expired. I asked the Notary service why they did not contact me, they stated they had called on three occasions but I didnt answer the phone. I asked why they did not leave a voicemail and she responded that their policy is to not leave voicemails. She also mentioned that my caller ID would show scam likely. I then contacted Freedom Mortgage to see what can be done. This was early in XX/XX/XXXX, customer service at Freedom confirmed my modification had lapsed and that she would resubmit it. Today XX/XX/XXXX I called Freedom Mortgage to ask when my modification paperwork would arrive. I was out on a brief hold and then told the agent I spoke with a few weeks ago did not submit the modification request.
Product: Credit card or prepaid card

XX/XX/2022 - I was in the XXXX store and the girl at the check out line started asking me personal information while I was trying to purchase my items. I don't remember them asking me if I wanted to apply for a card. I told her numerous times that I was uncomfortable with her asking me for my address and my social. I asked her why she was asking me for the information and I didn't think what she was doing right. She made me feel like she couldn't complete the transaction without the information, so I gave it, but I repeatedly kept telling her I didn't like it or think it was right. A few days later I received a denial letter in the mail and it scared me so badly, because I have had fraud before. I am now very uncomfortable using this XXXX.
Product: Debt collection

Radius Global Soutions has been issued a cease and desist by me personally. They reported to all three major bureaus that they are attempting to collect {$110.00} that was owed by me to XXXX. I have never had a balance with XXXX. Once last year, I attempted to order a single, cellular line from them. They were to send the phone to my XXXX location. They added the address incorrectly, and XXXX returned the phone to XXXX warehouse, and they would not reship it. I was advised that the only way I could receive the phone was to start the process from scratch, new account number, deposit, everything. So, actually, XXXX, still owes me the {$50.00} deposit that they charged me as a down payment on a phone I never saw. I told them to cancel the entire transaction, and I was taking my business to XXXX. Which I did, and I received cancelation confirmation emails from XXXX stating that I no longer had an account, since it was never used, there was no billing to owe them, so how this agency thinks they will collect anything is stupidity. It is causing me undue hardship, as it is affecting my credit score negatively, and they need to stop reporting and close the account immediately, or face legal consequences for attempting to collect a falsified debt.
Product: Debt collection

XX/XX/XXXX Company : Lacy Katzen LLP File number # XXXX Date account was opened : XX/XX/XXXX Amount reported on XXXX credit report : {$24000.00} I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assigned this debt. 
I am requesting an assignment contract. 
If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting

XXXX XXXX XXXX- collection agency is reporting a collection to my credit report with a date of XX/XX/XXXX on XXXX , no date on XXXX and XXXX on Experian for an amount of $ XXXX. This original account charged off 7+ years ago. I demand they remove this debt from my credit report and stop attempt to collect on it.
Product: Credit reporting or other personal consumer reports

This is not my address the fraudulent account was opened with an address that I don't have any knowledge about please delete this account!! I submitted my drivers license this is not my address I never had this address ever!!! TRANSUNION IS NOT FOLLOWING THE LAWS!! I need this items removed from my credit report!! This XXXX XXXX ACCOUNT REMOVED