23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am the sole owner of a XXXX that has been in business 36 years. Equifax Commercial Solutions continues to provide inaccurate credit reports to potential creditors. Worse yet, they refuse to tell me what companies are providing negative reports - they simply say things like " Business Lease '' or " Trade Account '' or " Commercial card ''. 
I have repeatedly requested that Equifax tell me who the creditors/vendors are so that I can confirm that these are my accounts. However, they refuse to do so. Attached is a copy of their most recent response which states that they will not identify the reporting companies. Therefore, reporting companies can continue to provide incorrect information and I can not find out who is making these incorrect statements in order to get them corrected. 
Meanwhile, Equifax Commercial Solutions is providing a false picture to my potential creditors and damaging my opportunity to establish accounts. 
Before submitting this report we called CFPB and were assured this request can be dealt with by CFPB. 
The following key documents are attached : XXXX XXXX, XXXX - my first letter to Equifax Information Services informing them there are errors in the credit report and requesting they correct the errors. 
XXXX XXXX, XXXX - my second letter with a list of discrepancies and a request they correct the report. 
XXXX XXXX, XXXX - my third letter detailing continuing errors in updated information they sent me on XXXX XXXX. 
XXXX XXXX, XXXX - my fourth letter listing the remaining XXXX accounts that are still in error and requested name of the party making the report so that I could get it corrected. A dispute form was included for each account. 
XXXX XXXX, XXXX - my fifth letter requesting a response to my XXXX XXXX letter. 
XXXX XXXX, XXXX - an email I received from Equifax stating that they will not tell me what companies are submitting the incorrect reports for which I have filed dispute forms. The data I receive simply says " Trade account '' or " Business lease '' or " Commercial card. " This leaves me with no way to get the misinformation corrected. 
Fair resolution : Equifax Commercial Information Solutions immediately provide with the name of the creditor and contact information for each of the remaining XXXX unidentifiable accounts on the credit. report. Also, provide me with a specific person in Equifax whom I can contact for follow-up. 
I will attempt to confirm that each of these accounts is indeed mine and that the information is accurate. Upon receiving such verification or correction, I will notify the person Equifax Commercial Solutions has designated as the contact. 
Immediate action by Equifax Commercial Solutions to correct the report and promptly provide me a full copy of the corrected report at no charge.
Product: Credit card

I found out there were 3 charges made from XXXX XXXX that were unauthorized totaling up to $ {$350.00}. One was for {$29.00} the second XXXX and the other {$210.00} on XX/XX/XXXX. I did not find this out until the following day when my card declined during lunch. Called my bank cancel my card. Hoping for provisional credit to keep my account from being in the negative they said I had to wait 7-10 business days, which I could not due to bills approaching in which I explained to customer service. After wait a few days the bank determines that no error has occured therefore somebody ran away with my money. Pnc was very unprofessional about the situation and if I wanted something from XXXX XXXX it would be one transaction not 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. XXXX is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( feburary XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,
Product: Student loan

Hello, I had to file a complaint approximately 2 years ago in order for XXXX XXXX to reach out to me regarding an interest rate reduction plan in order to make my student loans affordable. In XX/XX/2014 they terminated my interest rate reduction plan for no apparent reason, siting the fact that the payment amount owed was not paid. I was setup for automatic payments being pulled from my XXXX XXXX checking account. This should not of happened. 

Since then after phone calls and trying to ensure that my interest rate reduction plan would continue, no one proved to mention the fact that XX/XX/XXXX payments had changed. They still pulled the original amount setup through the rate reduction plan $ XXXX/mo. and just continued to let interest build on my principal balance. 

I have setup the interest rate reduction plan yet again and I just received a past due notice even though they setup the payment to pull on the XXXX of each month. This is making it impossible for me to payoff my debt and push towards a goal of financial freedom. Please help. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

I received a phone call from XXXX  XXXX XXXX in XXXX GA on XX/XX/18 regarding an amount they say that I owed to hsbc bank, the individual had information such as the last 4 digits of my ssn, past addresses, current address, names of relatives, marital status, cars Ive owned, employer and other information. Every time I would ask them to send documentation proving that I owed this debt and to prove this is not a scam he would remind me what information they have and threaten to come to my job or home. He said that I have a legal suit against me by hsbc and that they will take action if I do not pay. The information sounded convincing so I set up a payment arrangement to pay the debt. After the fact I XXXX the company and the address, the address belongs to XXXX mail store. No website or anything. I also do not have any record of owing hsbc. I saw hundreds of complaints just like mine. I contacted my bank for information about the transaction and it appears the money that I authorized them to draft went to a XXXX account???? What legit debt collector receives money through a XXXX acct? I have stop the payments that have been drafted until there is absolute proof that I owe this debt, itemized statement and something stating this is a legit company that is licensed to collect for this debt
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY AND UNDER 15 USC 1681XXXX 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 XXXXXXXX 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 AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

Portfolio started report a debt that I did not own. Originally debtor per the credit report a bank that I never dealt with. Account was opened in 2018.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I discovered multiple inaccuracies and unauthorized accounts being reported. These errors have caused considerable harm to my life and overall credit health
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeated offenders to exploit the system, leaving vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My Home was foreclosed on XXXX 2016 by Bank Of America. I was making my mortgage payment monthly and was not behind on my payments. I have contacted my mortgage company and requested they modify my home mortgage and rescind the foreclosure. 
Bank Of America is the Investor for my mortgage and XXXX XXXX Loans is the servicer
Product: Credit reporting, credit repair services, or other personal consumer reports

My current mortgage company " XXXX XXXX " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX. 

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was using discover card for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by Discover card while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX  balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.
Product: Credit reporting or other personal consumer reports

credit bureau is reporting addresses on my report ive never lived at dont recieve mail at and have been fradulently added to my file
Product: Checking or savings account

I purchased 5 packages containing 2 face gaiters each from XXXX on XX/XX/2020, order # XXXX. 
XXXX was delivered on XX/XX/2020. 
On XX/XX/2020 I emailed the company to inquire about procedures for returning the merchandise because it did not fit. 
XXXXXXXX XXXX responded with a form to fill out for returns. I filled the form out to return 9 of the 10 face gaiters because per the company, they only accepted unopened returns and I had opened one mask try on. 
I returned the items within the required 15 day window. 
On XX/XX/XXXX I emailed the company to notify them that I had sent back the items several weeks prior and wanted to know when I would receive a refund. 
The company replied on XX/XX/XXXX stating they received my returned merchandise minus the one gaiter I did not include ( because it was opened ). 
The company then refused to issue a refund. 
I emailed the company again on XX/XX/XXXX to find out why they had not refunded me and I did not receive a reply. 
I filed a claim with Bank of America for this charge on XX/XX/2020. 
On XX/XX/2020 I provided Bank of America with a statement letter as requested, along with email correspondence between myself and the merchant, XXXX. In the emails I provided, I included the email where the company admitted to receiving my returned merchandise. 
This claim has remained opened and unresolved for nearly 4 months with Bank of America.
Product: Debt collection

I reached filed a dispute with all credit bureaus on XX/XX/year>, XX/XX/year> and XX/XX/year> there was no proper investigation. The collection is not mine. I requested the following documents from the collection agency and they were not able to provide the following. XXXX. The amount of the debt ; XXXX. The name of the creditor to whom the debt is currently owed ; XXXX. Documentation that proves I owe the debt to the creditor ; XXXX. A copy of the original contract or other evidence that I agreed to this debt ; XXXX. A detailed explanation of how you calculated the amount you claim I owe ; XXXX. Copies of any papers that show I agreed to pay the amount you say I owe ; XXXX. Proof that the Statute of Limitations has not expired for this debt ; XXXX. Your license numbers and the name of the state that issued them. I requested the provide the above and correspond via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original XXXX XXXX Account XXXX XXXX Current Collector- Union 15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has XXXX my rights. 

604A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. 
The list of accounts the list below has violated my federally protected consumer rights to privacy and confidentialality under 15 usc 1681. 
XXXX has violated my rights 15 usc 1681section 602 A. 
15 usc 1681section 2.

15 usc 1681c. ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) All have been violated against me thats fair in my life.
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the XXXX XXXX XXXX. 

I have been affected by the data breach and I'm now affected the accounts need to be removed from my credit report as its negatively impacting my report. 

XXXX XXXX XXXX
Product: Checking or savings account

During the month of XXXX I noticed some unusual transactions on my chime checking account. I immediately contacted chine and described the issue they told me i could dispute. I proceeded to dispute it like they told me to when a transaction that wasnt made by me done. By this time it made me realize my card was compromised so i cancelled my card and got a new one. Days later when my new card was supposed to come i go a email saying chime closed my account. I did not know why because i had not done nothing. After receiving emails from chime they said my account did not follow the rules of deposits which was false because i was getting weekly deposits from my employer and getting deposits from my school every 3 months. Chime falsely closed my account based off false accusations and wouldnt offer me another suggestion on getting access to my funds totaling up to almost a thousand dollars in my account. I asked for several suggestions such as a expedited check mailed out but they continually told me it would be 30 days which is highly unacceptable given the mistake on closing my account was on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. XXXX XXXX XXXX are trying to collect money in a fraudulent way. I have no knowledge who they are. They have threated me in the past and im already fed up with them I will be pressing charges on them for Personal Abuse and Threating and Intimaditing People. I would like for this account to be removed from my Credit Report please. They only affecting my Credit score with their false statements and information against me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after discovering several collection accounts on my credit reports that I do not recognize and have no knowledge of. These accounts have been incorrectly attributed to me, and my efforts to address this issue directly with the credit bureaus have not produced any effective results. Despite providing detailed documentation to request verification and removal, the credit bureaus persist in reporting these accounts as valid without substantial evidence. This has significantly harmed my credit score and financial stability, and the continued inaction by the credit bureaus is both frustrating and unfair.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, XXXX, and Equifax credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34.

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, XXXX, & Equifax ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?
Product: Bank account or service

Ref : CFPB Consumer Complaint ID # XXXX. 
I have been a customer of M & T Bank ( and Wilmington Trust which it took over ) since XXXX. M & T Bank insists it needs additional information from me such as my drivers license number and my occupation in order to comply with XXXX, and XXXX regulations. 
However, all public information I can find says that is not the case. 
All indications from the government is that the XXXX only applies to new customers ( after XXXX ). 
Here are links to back that up : XXXX XXXX XXXX XXXX # XXXX Since I have been a customer since XXXX, I am not covered by those rules. Please provide me a link to information indicating I am wrong if you disagree. 
Note : I have attached the letter I have received as a result of you sending them my first claim. But as you can see the letter is just a restatement of their claim that they are required to collect this information but does not address all of the links from government sources that say they do not. They state that XXXX regulations require that but yet another link XXXX # XXXX directly refutes it. So if the CFPB just sends my complaint again to M & T Bank it is not clear to me how I am going to get anything more than just another similar letter that just claims they have the right to collect information with vague reference to rules that they claim say they do without providing clear enough references ( links ) that I can look-up and validate their claims or something that shows that the multiple references I have consistently provided are in fact outdated and incorrect.
Product: Debt collection

They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''