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

USBANK refuses to report my on time payments to the credit bureau despite my reaffirming account debt during a XXXX  XXXX bankruptcy. They never reported in the 3 years that I have been paying my mortgage. They're sabotaging my credit score. They tried to charge me bogus and unfair charges in the past, so I wouldn't have chosen USBANK. However, they bought my FHA mortgage from XXXX XXXX XXXX. Please help me. They said that it's not their policy to report to credit bureaus. I think they are discriminating against me, and probably others with FHA mortgages. I also have OhFA second mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX years or so my address has been : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXXXXXX. Before that as of XX/XX/2012 it was XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, and before that I cant remember the specifics but i believe it was : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Those have been my addresses for approximately the last 15 years. My phone number has been the same since 2012. I think I'm being discriminated against for some reason because I have contacted XXXX, XXXX, and EQUIFAX repeatedly and they refuse to provide me with a copy of my credit reports! All of my info has been the same for years! All of my banking, financial, legal, residential, government, and ALL OTHER info is the same and basically has been since XXXX 

Please investigate the persons in charge of these awful companies and I suspect terminations are in order ( the only question is : who exactly needs to be terminated for not doing their job )! 

THESE COMPANIES HAVE GIVEN ME MULTIPLE PROBLEMS FROM NOT PROVIDING MY REPORTS, CLAIMING NOT TO HAVE MY INFO ( ALTHOUGH I HAVE PAID OFF A NEW VEHICLE, HAVE A LABOR REPORT WITH THE SAME INFO, AND THEY HAVE ABUSED Y REPORTS EVERY POSSIBLE WAY THAT I HAVE WITNESSED! SPEAK TO THE PERSON WHO SIGNS THEIR PAYCHECKS AND MAYBE THAT WILL MAKE THEM DO THEIR JOBS! ( YES I'M UPSET! )
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXXXXXX has stated in a documented letter of their inaccuracies
Product: Checking or savings account

Chex Systems is reporting that I have open accounts and derrogatory checking accounts that do not exist. I've asked for copies of account information in which they can not provide. Because of this- and I'm assuming it's fraud- there are multiple banks I can not do business with in regards to opening checking/savings accounts, HELOC 's or even car loans. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by Wells Fargo bank as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a Wells Fargo phone customer service rep assured me that Wells Fargo will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. 

Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I find that my consumer file is being irresponsibly tampered with. Over the past 7 months I have made several attempts to remind equifax of their duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully being neglectful in remedying my affairs.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

I have been disputing these accounts with equifax and i have called them on numerous occasions. On every occasion the reps either didnt understand English and werent helpful and other times they were rude and hung up me. Including supervisors. Equifax failed to provide method of verification during their investigation as well as their reinvestigations. 

15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. 

Equifax willful negligence in properly investigating my disputes have caused me a tremendous amount of stress due to the amount of time spent to remedy my affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax Consumer Relations, I am writing this letter to express my deep frustration and concern regarding the lack of response to a dispute letter I sent to Equifax on XX/XX/23. It is disheartening to note that my dispute was neither acknowledged nor addressed, and Equifax has failed to update and note this on my consumer report. This situation is deeply troubling as it significantly impacts my creditworthiness and appears to be a violation of my rights under 15 US Code 1681s-2. 

As a diligent consumer, I exercised my right to dispute inaccurate information on my credit report through a formal letter sent to Equifax. However, to my dismay, Equifax has neglected its obligation to respond and rectify any inaccuracies in a timely manner. This lack of responsiveness and failure to acknowledge my dispute raises questions about the integrity and reliability of Equifax 's credit reporting practices. 

Under the provisions of 15 US Code 1681s-2, consumers have the right to dispute inaccuracies on their credit reports, and credit reporting agencies, including Equifax, are legally obligated to investigate and correct any errors promptly. The non-compliance with this statutory obligation is deeply concerning and undermines the confidence consumers place in credit reporting agencies. 

I want to stress that the accuracy of my credit report is of utmost importance to my financial standing and overall well-being. Inaccurate information can have severe repercussions on my ability to obtain credit, secure favorable interest rates, and make significant financial decisions. The negligence displayed by Equifax in handling my dispute threatens my financial reputation and stability.
Product: Debt collection

XX/XX/2023 there was an account opened for XXXX $ in my name I am recently XXXX XXXX XXXX and am a victim of identity theft there are multiple accounts in my name that do not belong to me when i called world finance they said the person was XXXX i filed a police report and identity theft report
Product: Credit card

Look at the attached documents. I'm urging the bureau to begin an investigation into these accounts, despite my consistent on-time payments being reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax irresponsibly stored and lost my personal information such as my SSN, name, address, etc. Equifax lacked any substantial or modern security within their systems and stored data in an insecure location. My personal information will now circulate throughout sources on the internet for the rest of my life. Equifax has not provided me suitable protection for such a data leak, with only a single year of free fraud alert services. Data like a SSN can never be changed, making a single year of protection almost completely useless. Comprehensive fraud alert services cost at least {$20.00} a month. Going forward, I would have to invest tens of thousands of dollars for simple basic alert protection over the course of my life due to this breach.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report. Specifically, I have identified XXXX accounts listed under my name that I have no knowledge of. XXXX  XXXX and XXXX XXXX. I am requesting an immediate investigation into these discrepancies and the removal of these accounts from my credit report, as they are not valid.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX, XXXX OPENED ON XX/XX/XXXX, XX/XX/XXXX FOR {$1500.00} and XXXX ON XXXX, EQUIFAX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. XX/XX/XXXX FOR {$1500.00} AND XXXX ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/XXXX FOR XXXX and XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed 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 is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} PORTFOLIO XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 602 ( A ) states I have a right to privacy. 15 USC 1681 604 ( A ) 2 states a consumer reporting agency can not furnish an account without my written instructions. 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXXAccount XXXX XXXX XXXX XXXX  Account # XXXX VIOLATESMY RIGTHTOPRIVACY..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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I originally attempted to settle/discharge with the State of NJ any alleged tax debt. 
They ceased all collection activities. 
Received first letter from XXXX XXXX with Pioneer letter header and responded with conditional notice of acceptance. 
Also received phone calls from XXXX XXXX, who called my son 's phone as well. 
Did not receive authenticated requested info. 
Received second letter with Pioneer letter head from XXXX XXXX which again did not provide verified information and I responded with Opportunity to Cure. 
Did not receive verified info. 
Received 3rd letter from Pioneer with State of New Jersey letterhead. 
Although I'm now confused as to whether or not XXXX XXXX works for Pioneer Credit Recovery or the State of New Jersey.

Either way I responded with letter of default as well as damage amount for the damages I have suffered from her antagonizing and harassing collection tactics. 
These damages are enforced by 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

According to 1006.34 Notice for validation of debt ( a ) Validation information require.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required By 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; or .....

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or assumed to receive the validation information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has 30 days to validate these debt.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Lendmark Financial. Due to financial hardship, I was not able to make payments. I reached out to XXXX XXXX XXXX and enrolled in their program. I was told by an employee at Lendmark that they do not work with XXXX XXXX XXXX, that if I could not make payments on the loan that I would be taken to court. XXXX XXXX XXXX said that what Lendmark is telling me is false, that they do work with this company to settle debts. When I reviewed my file on XXXX XXXX website, Lendmark is listed as an account they are working to resolve. I was advised by XXXX XXXX XXXX to advise them to stop calling me or they would be reported to the FTC. Lendmark is continuing to bill me and have now resorted to trying to contact me at my place of employment. They have not offered to negotiate. I have insurance on this loan but payments are waived only under conditions of unemployment. I have been lied to and harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Approximately XX/XX/2018 I opted to have my credit score, and any actions that seemed wrong, to be seen by me online. The offer was 'offered ' by TransUnion XXXX 
The offer was a dollar ( {$1.00} ) to view all 3 credit scores and details. 
" What really happened '', I was unable to see the scores and detail without giving my private information, including credit card info. I was also unable to see them without creating an account in all the different places ( XXXX, etc ). So, you were creating account after account. There were steps, and then more steps. This became confusing. 
In the process, I was not aware that a temporary account was being setup to monthly extract {$19.00} from my debit card ( since XX/XX/2018 ). 
I have now paid {$180.00} to TransUnion to date, before I told my bank to not allow this anymore, changed my credit card, shredded the other, and informed TransUnion ( by phone 'today ' XX/XX/2018 approximately XXXX CST ) to cancel this account immediately. I was told by TransUnion the account would be closed on XX/XX/2018, a week from now?. I was also told that I would not be getting a credit for this, and that " I could do what I think is best '' about contacting the CFPB and filing a complaint. 
This bank account is not one that I have monitored very closely in the last year, or so. The reason is that I have been concentrating on other accounts that I have. 
I clearly perceive this as fraudulent advertising. They may show their intent in the beginning of this process somewhere, but obviously not very clearly. 
Hence the amount of complaints that can be seen online, and I am sure you are getting. 
On a personal note, I am shocked that these are the people we ( the people ) trust to give accurate credit information. They also are trading stocks ... It is appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

I have an I.R.A. account with Wells Fargo. 
Their address XXXX XXXX  XXXX, XXXX XXXX, South Dakota XXXX Phone # XXXX I wanted to withdraw money from my I.R.A. 
The representative told me they were going to send me a form for me to sign via U.S. Mail That was XXXX XXXX I never received it so I called them today XX/XX/XXXX and got stuck on hold for over a half an hour. 
When the rep picked up I told her I wanted to speak to her supervisor about this matter and why I was on hold for so long. 
The rep gave this nonsense that her supervisor wasn't in. I refuse to accept that excuse which resulted in me getting angry. 
The rep hung up. 
I called again and was put on hold til another rep answered. She did respond by saying the form was mailed out on XX/XX/XXXX. 
I should have received it today which I did not. 
I have made previous calls prior to today and the only answer was " I don't know ''
Product: Checking or savings account

I have been a member since XXXX! I have been in XXXX discrimination racially profiling situations that has been caused by Navy Federal Credit Union. Which caused me back in XXXX of XXXX to close all my accounts. Whats weird is my savings accounts are still open, which they failed to initiate the closing of all my accounts like I previously demanded while I was in the Credit Union location off XXXX and XXXX in XXXX Florida. This was the last a final straw, that made me say enough is enough of this Credit Union violating my consumer, state, federal, constitutional laws. I am due remedies for these violations.
Product: Checking or savings account

Overdraft fee showing monies availability but monies was not available
Product: Checking or savings account

Bank of America froze my account for " suspicious activity '' I have been calling them for the past two days and have not received any resolution or reason as to the freeze. I get told it was flagged for suspicious activity and the account will be locked with all the funds in it until investigation is complete. They said 48 hours, but after 48 hours i called again and they asked for another 48 hours for a possible update. Nothing for sure. 

This is a business account, its for deposits only. After the deposits I move the funds to cover payroll and expenses. I would understand if there was a bad check that they needed to hold, they froze the entire account with funds that were in there prior to the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is illegal I will take that XXXX XXXX dollar settlement and recover the damages legally on my own. I do authorize to the highest authorities the damages and expect the criminals and illegal companies/adoption agencies/security that staged this attack to be held accountable. You can contact the FBI for further dispute. I expect to be fully unassociated with all damages after the year of 2012. I expect to have a 740+ credit score all around with perfect bill payer history and to be debt free, I also expect to be unassociated with all crime and or criminals to freshly continue my life without illegal unauthorized burden, my mortgage is hereby destroyed I expect it to be fixed eventually. New SSN, new DL, new last name, will double po box . 

God bless America, Thank you for your continued service Happy Memorial Day Best Regards, XXXX XXXX ( XXXX ) XXXX - XXXX
Product: Vehicle loan or lease

The car was worth more money than what the auctioned it off for than garnished my wages @ 25 % on a part time job. I am struggling and May have to claim bankruptcy and nobody gets anything. I was a great customer until the carburetor fuel pump and needed 4 tires all at the same time and I just asked for an extension of 2 months on the loan to get the repairs and they refused XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on a account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER