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

I have been trying to freeze my SageStream report for over 5 months, and they keep claiming they can not verify my identity. I sent another letter last week with my social security card, utility bill, light bill, and bank statement showing my current address. I am in the military and my drivers license shows my old address. I am XXXX in texas and live there currently. 

I've also left 2 messages since sending the letter with not response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number XXXX has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at
Product: Checking or savings account

I received a check from a prospective client wishing wanting me to complete services. After attempting to deposit this check, the bank found it to be counterfeit, and closed my account assuming it was me who is the fraud, not my client. They closed my business account without notice, and are holding all my business 's funds for over a month, effectively putting me OUT OF BUSINESS! They simple repeat, " I do apologize '', but never can answer why nobody called me about it, or explain how I've been the victim of fraud yet they treat me like the criminal. It's disgusting, and I am struggling to keep my doors open and family fed at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this dispute against Equifax for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. This is the is the section of the Fair Credit Reporting Act ( FCRA ) that mandates that Equifax must respond within XXXX days to a consumers request for information on the procedures they used to determine the accuracy and completeness of the information they relied on to verify items disputed by a consumer. 

So to explain the back story a little, I did dispute items in my credit file. Equifax did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to Equifax requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

Equifax subsequently sent me a response and a credit file dated XXXX XXXX, 2015, confirmation # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the XXXX day maximum requirement, that that letter did NOT provide me with any of the information used to verify the items in my credit file that I disputed as I requested. Instead, in that letter Equifax stated the " Below are the results of your reinvestigation request and, as applicable, any revisions of your credit report. '' In other words, all they really did is again tell me that the items were verified. It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my Equifax credit report and request documentation used to verify the items disputed. In good faith, I expected Equifax to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. Equifax has failed to do that to this day. This is completely not fair to me and I am sure the CFPB also expects Equifax to comply with ALL applicable laws in dealing with my dispute and others. Clearly, Equifax has failed to comply with [ 15 U.S. Code 1681i ( a ) ( 7 ) ] in my case and they should be held accountable for that.
Product: Credit card or prepaid card

I have a Home Depot ( Citibank ) credit card. Someone committed fraud against my account multiple times. I think it started in XXXX or XX/XX/2019, but I don't have all the information I requested. I was provided this information over the phone. XX/XX/19 the following charges : {$51.00}, {$480.00}, {$43.00}, {$250.00}, {$240.00}, {$3700.00}. I was told my total was {$1100.00}. They say my new total is {$790.00}. None of these purchases are mine. I did not authorize anyone else to make these changes. They could not itemize the charges. I only know they said that someone ordered a washing machine online. They delivered the appliance, but could not supply the address nor provide a copy of the signature of a woman who supposedly accepted the washing machine. It was not me. They said that I ordered tools, but I did not do this either. I have called Home Depot the following dates : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( 3 times ), XXXX ( 3 times ). I have spoken to at least ten times. Each time I have insisted everything was fraud. I'm being harassed.
Product: Checking or savings account

I deposited a check from a former employer and the bank returned the check saying it was fradulent and it wasn't. So they closed my account. For they own reasons.
Product: Checking or savings account

I deposited a check to my Chase account for XXXX from a job i recently completed. Three days later I called to check the status. CSR told me it was on hold and " I could thank the people who do fraud for the wait ''. I called the person who wrote the check they confirmed that the money had been released from the account and i should have it. Along with that they sent me picture of the amount deducted. Contacted the bank again was on hold for an hour just to be told that the check was confirmed as a fraudulent item and my account had been closed. Ive banked with Chase 10 years and have never had an issue no explanation was given and was treated so bad. Not only because of the times we are going through but to be accused of doing fruad is something very serious.
Product: Mortgage

The company's/TD Bank 's response to our previous complaint with the ID no. XXXX is evasive, non-responsive to the issue raised, i.e. our request/application for rate of interest modification/reduction wrongfully denied, as it has been thoroughly explained in our complaint. 
In its response, received on XX/XX/XXXX, without answering the issue, TD Bank advises us seek further assistance from its Customer Service Team and the local branches. Upon calling, and visiting the local branch, as directed, on XX/XX/XXXX, and XX/XX/XXXX, we have been told that the rate modification program no longer exists. 
How convenient for the " most convenient bank in America '' that provides " legendary service '', as it constantly advertises, to avoid providing a basic service for its customers!! 
We hereby reiterate our request for a modification/reduction of rate of interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Experian credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX  and XXXX. I have an Experian.com account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.
Product: Debt collection

We received a bill for over {$1700.00} from BC Services on  a medical claim from XXXX XXXX XXXX of the XXXX. My daughter had XXXX there in 2016 and we did not know that we still owed money. I called the orthopedics and I paid them directly in XX/XX/XXXX or XX/XX/XXXX. The collection company has continued to call and send letters attempting to collect this amount. This is deceptive. I believe they are trying to collect money that's already been paid.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX account opened XX/XX/XXXX. Was paid and offered delete for payment the account has not been removed by the credit bureaus. XXXX XXXX  opened XX/XX/XXXX. This belongs to an ex spouse. XXXX XXXX XXXX opened XXXX XX/XX/XXXX this account belongs to an ex spouse. XXXX XXXX XXXX accounts never opened accounts with them. These need to be removed. All of these accounts need to be removed from my credit file.
Product: Debt collection

Someone purchased a mattress from XXXX under my name and had it delivered to an address that wasn't mine. Wells Fargo purchased that debt. I disputed that debt with Wells Fargo and provided proof that I did not authorize this purchase. I have a letter from Wells Fargo stating this. 

This unpaid debt is still on my credit report ( XXXX ) and is preventing me from refinancing my student loans. I called Wells Fargo fraud department and they told me that they would contact all credit agencies. Additionally, I have disputed the account through XXXX and the dispute failed ( w/o providing a reason ). Despite these actions, I still have this unauthorized account on my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On both my equifax and XXXX credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that
Product: Credit reporting or other personal consumer reports

In early XXXX, I was affected by a natural disaster, which severely impacted my financial situation and my ability to maintain regular payments. Upon contacting XXXX in XX/XX/XXXX, I was informed that I qualified for the natural disaster relief program and that my payments would not be reported as late due to this hardship. I followed all necessary steps and provided the requested information to be placed under this program. 
Despite this, when I reviewed my credit report on XX/XX/XXXX, I discovered that XXXX had reported my payments for XXXX, XXXX, XXXX, and XX/XX/XXXX as late across all three major credit bureaus. Additionally, I was charged interest and late fees, even though I was supposed to be covered under the disaster relief program. This reporting is inaccurate and does not align with the terms I was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' hyundai finance XX/XX/XXXX the Vachon Law Firm sued Hardin Hyundai Inc. an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX   District of California,
Product: Checking or savings account

I was transferring money from one count to the other and it just disappeared on me and cash out told me they didn't have to provide me with no information
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX I have ask them to remove an account that is showing past due and it is not. The credit card has been paid in full and I have told them. That on my credit is causing my credit score to go down. And I have never been late on my payments.. XXXXXX/XX/XXXX is the name of the card that has been paid in full and now showing late.. XXXX XXXX.Both account are closed as well.
Product: Mortgage

We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as Residential Credit Solutions. Residential Credit Solutions refuses to endorse the check so we may recover our contractually obligated fees and expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a representative at experian about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX date of inquiry : XX/XX/XXXX 5. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX  Date of inquiry : XX/XX/XXXX 7.  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 9.XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I called the Customer Service number printed on the card and only got a recording " the service is experiencing extremely heavy call volume ; please try calling back at a later time. '' Direct Express ( USDirectExpress.com ) XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER COMPANY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAINE & WEINER COMPA ( original creditor : XXXX ) XXXX Balance {$1500.00} ; CAINE & WEINER COMPA ( original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$79.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX  ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account open at XXXX XXXX  XXXX  XX/XX/XXXX under the account number ( private ), an auto loan account open at XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), a person loan open at XXXX XXXX XX/XX/XXXX, Personal loan XXXX XXXX XXXX  in ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft XXXX XXXX XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX