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

**Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX **Subject : ** Complaint Against Equifax for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against Equifax for reporting inaccurate information on my credit report related to my XXXX XXXX XXXX account . 

**Details : ** - **Credit Reporting Agency : ** Equifax - **Account in Question : ** XXXX XXXXXXXX XXXX - **Incident Reported : ** My credit report indicates that between XX/XX/XXXX, and XX/XX/XXXX, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX from {$0.00} to {$17.00}. This information is factually incorrect and has negatively impacted my credit score, resulting in a decrease of XXXX points. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that Equifax update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further.

Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests for thorough investigations into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XX/XX/XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from XXXX ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX when I 've only applied XXXX time to XXXX. Also for Chase Bank there are XXXX inquiries on XX/XX/XXXX andXX/XX/XXXX when I only applied XXXX time on XXXX.
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 on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency list an acct # XXXX on my credit report. this account is past the XXXX  years to be reported, which is a violation of the Fair Credit Reporting Act. 

the last payment of this account was XX/XX/2015 This account should be deleted from my credit report.
Product: Mortgage

I utilized Rocket Mortgage to obtain financing for a property in XXXX, OH. First contact was on XX/XX/2021. In the middle of closing, a " resolution expert '' reached out to inform me they were unable to secure an XXXX and recommended I find a different mortgage company. My XXXX and I both asked about offering a premium but agent stated they still recommended utilizing a different lender. Even though the extra premium would have been charged to me, they still recommended I utilize a different lender. Part of his email " ... since we utilized all of our resources to find an XXXX and couldn't get anyone to accept the order, that's why we wanted to reach out as soon as we could to let you know. '' Unsure why they didn't disclose this during the signing process, that they have difficulty in some markets obtaining an appraisal which will cause them to basically cancel the financing and delay or destroy the deal.
Product: Debt collection

I received a red light citation from the city of XXXX XXXX, Al red light safety program alleging that I had ran a traffic light. The date of the violation showed as XX/XX/2022. I also received instructions that advised me that if I provided information identifying another, which I did in addition to the police report that was done prior to this ticket being issue. I provided this information to the company on XX/XX/2022 via us mail and it was confirmed that it was received. Though the police report clearly says that my tag was stolen and on the instructions that were provided to me said that if I would provide the given information it would be transferred to the correct party. This was not the case. This corporation fraudulently sold a debt that is not mine to a debt collector tarnishing my name in addition to committing fraud.
Product: Checking or savings account

on XX/XX/24 I went to make a {$300.00} cash deposit via the ATM. My cash was spit back out and the machine told me " transaction failed ''. I then walked over to the teller and asked him to deposit and also let me know why my atm deposit was failing. He made the deposit for me, but also informed me that is was because my debit card was frozen. He could not tell me why and said i would need to call fraud. I did that. Verified some transactions and then he unfroze the card. I then bought gas and lunch with the debit and all was fine. Later I went to make an online purchase and it was declined. I again called fraud and this time they told me my acct was under review and frozen for now. Unable to give me any reasons why. I went into the branch to try and get answers and withdrawal my money but was told it was all frozen and I could not have access to my own money. The only additional info they were able to provide was that the bank has terminated their relationship with me and I would need to wait 3-5 business days for a letter explaining why. all the while not having access to my own money. I finally received the letter about a week later telling me my account has been closed they would mail a check on XXXX for the remaining balance and if I had any further questions to go into the branch. the letter again, did not give any reason as to why this was happening. I, again went into the branch for explanation as the letter said and was again given no reason and just told sometimes they do this and do not give a reason. I can not believe this is the way they do not business. let alone even legal. I was unable to make any deposits, had to cancel my direct deposit and was unable to pay bills I had due. Not only were my fund abruptly frozen but i was not given a reason. i can not believe this is how things are done.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reinvestigation of disputed information on credit report, leaving inaccurate or unverified accounts unresolved. The consumers financial protection bureau ( cfpb ) has recently filed a lawsuit against experian, alleging systemic issues, such as failing to for consumer provided evidence to furnishers, except the unreliable responses, failing to adequately notify consumers of dispute outcome. These failures align with my experience, where experience has neither corrected or removed disputes despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate correction action to remove our amend disputed accounts, as experians inaction federal law and my rights as a consumer.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX  Balance : {$850.00}
Product: Debt collection

a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, please help
Product: Debt collection

I disputed two collection debts with XXXX  2x with supporting documents regarding my Affirm loan accounts ( XXXX and XXXX  ) that was paid off through third party agencies. For XXXX  the amount paid was {$40.00}. Whereas the XXXX  debt was originally {$150.00} but {$100.00} was taken in the form of a settlement. Both payments were cleared XX/XX/2023. 

Affirm denied XXXX  to update the history of credit to reflect the status as paid in settlement with said amounts. 

I went ahead and decided to give affirm a call. As per affirm, they stated that despite confirmation of payments they will keep the status as charge off and will not update any information with my credit bureaus. 

This is extremely frustrating because I went through rough times and decided to still pay the debt. At this point why would anyone want to pay their debt if companies won't honor the payment?
Product: Mortgage

Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!
Product: Credit card or prepaid card

I submitted a written billing dispute with a card issued by " XXXX, XXXX. '' to the company " Coinbase '' : https : XXXX This card is advertised as a " Debit Card. '' and it is FDIC insured according to the XXXX website. I submitted a regulation E-billing dispute to " Coinbase '' and " XXXX. '' This is what I have in writing from them from their verified Support Email Address : " Hello, We want to give you an update on your dispute regarding ( XXXX {$510.00} ). 

Were working quickly to resolve your dispute but please note that some investigations may take up to 45-90 days. While you wait for the final decision, we have processed a provisional credit to your account in the amount of ( $ XXXX ). 

This is considered a temporary credit until your dispute is resolved. If your dispute is successful, your credit will become permanent. However, if the dispute is resolved in favor of the merchant, the provisional amount will be reversed. 

Please note, any rewards associated with the disputed transaction have been reversed. '' I have not received a temporary credit and it has been 45 days since the claim ( Federal law requires this be applied within 10 business days. ) Also, I have an email from XXXX Third Party Seller Marketplace stating the funds for this purchase have been reversed to XXXX and the card ending in XXXX due to a billing dispute. I have not received these funds. I have not received any of the {$510.00} I disputed nor the temporary credit that is required by law and was promised by the banks support team in a verified email. 

My email address is XXXX and the ticket and claim numbers assigned by the " Coinbase Support Card Services Team '' is XXXX and XXXX.
Product: Mortgage

Nationsta mortgage will not give the payoff amount so I can refinance my home through peoples bank.
Product: Debt collection

After multiple and repeated attempts to stop the text messages by using the " stop '' function ( and getting confirmations I was opted out ) they continued to send messages repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions their were two hard inquiries placed on my credit. One in XX/XX/XXXX on the XX/XX/XXXX by syncb/walmrt and the other one on XX/XX/XXXX by XXXX XXXX both in 2019. It does not give me the amount it just shows as a hard inquiry.
Product: Debt collection

On XX/XX/XXXX, I received a call from Avante USA asking my name. I did not provide this information, as the caller was rude and only asking my name. The only information the caller would provide was where they worked, nothing about anything else unless I confirmed my identity. 

I proceeded to send a debt verification letter on XX/XX/XXXX, after searching Avante USA, and finding out they are a debt collection agency. I never received any letter in the mail with a right to dispute, or any information regarding the debt. I sent the letter using UPS certified mail, and I have not heard anything back from Avante USA. 

I have disputed the account on XXXX via XXXX XXXX, and I am filing this complaint due to the lack of communication. From my understanding, I am supposed to receive notice with a 30 day dispute window.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Recapping compliant to file with XXXX. 
See attached PDF of confirmations XXXX, XXXX, XXXX. 

I made online reservations with XXXX XXXX 3 times staring Tuesday XX/XX/2022 using my XXXX XXXXXXXX XXXX # XXXX and it was denied each time. 

XX/XX/2022 -Reservation # XXXX was denied and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service and spoke to a XXXX, no valid reason other than it looked like XXXX being charged to my account. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XX/XX/2022 -Reservation # XXXX was denied again and when I called XXXX XXXX Customer Service, no valid reason other than it looked like XXXX. I was told the charge was denied and to rebook the stay, the customer service representation had again spoken to their security department. I also called the hotel directly to confirm the reservation could not and would not go thru, the cjharge had been denied. 

XXXX time I used another credit card and booked the hotel successfully. 

I have logged on several times to check my account to make sure the charges did not show up, but today 5 days later the charges showed up on my XXXX XXXX XXXX  # XXXX and the hotel will not refund these charges. I am not paying for this, I should have had good customer service the first time I called. I called 4 times and was told all 4 times, once the charges were denied they would not and could not go thru on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this my formal complaint against TransUnion Consumer Relations. 
At the start of XX/XX/XXXX I ran my credit report and found TransUnion was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the TransUnion report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Consumer Relations has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote TransUnion again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX XXXX XXXX ) as well as the letters from the bankruptcy court. TransUnion still insists they have verified the bankruptcy.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Peace & Love To All Who Read This! 

I applied for a card and got denied. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied According to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well.

You may have sold all rights, titles, and interest of the receivables to, but Im the beneficial ownership of the original owner and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME!

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws.