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

Hello I have a problem with Equifax with my name and birth date at first I was told to fax over my social security number drivers license and a letter disputed any inaccurate information well I called to see if my information was received and was told they dont accept faxes anymore but was given the fax number ok so moving on I mailed them the same information and once again this time was told they couldnt see my information which was clearly blown up ok 3rd sent my information again on XXXXXXXX XXXX XXXX overnight to their po box then I called to make sure it was received the lady said we dont see it but give me your information so I precede to give her my birth date which is incorrect I told her my correct birth date hen she states I need to send them once again a copy of my information oh no I have sent them my information 3 times now she tells me its gon na take 1 month before they fix the problem well I had the same issue with XXXX and they immediately fixed my information I feel so let down because my information is just floating around EQUIFAX and nothing is getting done please help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card application using my identity was submitted for a XXXX XXXX XXXX credit card in XXXX. A hard inquiry was made by XXXX XXXX, XXXX XXXX on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with XXXX to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. XXXX agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my Equifax credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Information XXXX EMP - IncorrectPersonalEmployers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX A XXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN
Product: Credit card

Earlier this year approximately 2 months ago I had a Amazon Store Card issued by Synchrony Bank. In the time I had the card, I earned an active {$220.00} in rewards saved up, I believe I was approaching {$300.00} just before the account was closed without ANY NOTIFICATION. 

I accidentally made a payment with the wrong account as I had recently switched banking. I promptly corrected with the correct information to honor my payment. 

However, to my surprise Synchrony Bank closed my account without warning. I then called Synchrony Bank customer service and inquired about the situation. They told me due to the payment bouncing back they cancelled my account, despite me explaining I accidentally used the wrong account and immediately fixed it. 

The customer service rep said there was nothing she could do. When I asked about my rewards, I was told they were gone for good. 
Now I am stuck paying the rest of the balance I owe on the card and I lost all of the rewards I earned that I should be entitled to receive.
Product: Money transfer, virtual currency, or money service

2- XX/XX/XXXX at XXXX approximately {$1300.00}, XX/XX/XXXX at XXXX {$1200.00}, XX/XX/XXXX at XXXX {$880.00} Initially I paid for a service, after seven days they contacted me again to ask for more money ( this was not part of the agreement that was made in the beginning ). However, I agree to pay with the commitment that they will return the money. After the second payment was processed they accepted it and stopped communicating with me.

After two days they answered me but again asking for more money. Claiming that I would need to make another payment in order to get all my money back, otherwise I would lose it entirely. I agreed to pay one last time, I sent them the money with proof of address of the virtual wallet that they had given me previously. However, it turns out that this time they completely stopped answering any of my messages and calls. 

Lastly they answered me yesterday, XX/XX/XXXX, saying that I have to make a payment once again, they up to this day claim that they never received any money on my behalf. I have been contacting them non stop while sending them proof of payments and transactions but once again they either ignore my calls and messages or claim that these payments have not been completed. 

I called my bank about these payments, since those payments came out from my bank account to a third account to make the payments that I mentioned, but they refuse to make any type of refund, I have proof that the merchant does not want to accept that received my money and continues to ask me for more money
Product: Credit reporting or other personal consumer reports

I've disputed in past and was hoping to settle amicably and quickly. the account XXXX XXXX XXXXXXXX here is in question. JUST TO BE CLEAR THERE ARE TWO ACCOUNTS WITH THE SAME NAME AND ACCOUNT NUMBER. This isn't the first time I've disputed as i gather all my ducks, to take you to arbitration this will be my last attempt to handle this manner quickly and urgently. Right now I have a false score because of these incorrect furnishes. I want to know who certified the verified information on this account name and number and comments for discovery in possible action. Both accounts where open on the same day XX/XX/XXXX, one alleged balance of {$750.00}, and the second for {$1700.00} on a third party source you use I see no payment history. A judgement was entered against me in XXXX of XXXX with the name XXXX XXXX address of XXXX XXXX XXXX XXXX XXXX Az XXXX being the originals creditor named XXXX XXXX XXXX XXXX that doesn't provide the amount owed nor do i see the first date of delinquency, if they are trying to collect and report on a 7 year old debt it needs to be removed and BLOCKED immediately. These are two different debts, that the debt collector holds with the same account number, the same open date with two different amounts. this is very incorrect and misleading. I will attach the information provided to me from the debt collectors who unlawfully made serval hard inquires on my credit report after a dispute, phone, call or complaint. It's more than obvious that this reporting is effecting my ability to rent and obtain credit.
Product: Credit reporting or other personal consumer reports

Constantly getting error message in regards to XXXX credit report not able to pull it through annual credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX 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 a account without my written instructions which I did not give.

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: Credit reporting or other personal consumer reports

There is misleading inaccurate information being reported on my credit report. The company 's name is XXXX XXXX XXXX XXXX  and the mount is : {$520.00} the date is : XX/XX/2018
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw a credit card balance of {$30000.00} on XXXX XXXX when I have none.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX on my cash app account, {$150.00} was sent to $ payingclient but was not authorized by my but one of my friends thats has their fingerprint on my phone and I tried canceling it and requesting it back but no answer. I already removed the fingerprint security to a number password.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to equifax data breach.
Product: Credit card

I have XXXX credit cards with First Progress, card # XXXX ending in XXXX with a payment due date on the XXXX of every month, my XXXX card ending XXXX with a payment due date on the XXXX of every month. 

I called in XX/XX/23 to make a {$86.00} payment on my account ending in XXXX with a payment due on the XXXX and they misapplied my payment to the account ending in XXXX with a payment due date on the XXXX and charged me a late fee and reported a late payment to my credit report.
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- MY REPORTS HAVE MANY INACCURACIES and its starting to affect my livelyhood. The open dates, the payment dates, and the amounts listed are incorrect, unauthorized and SEVERELY INACCURATE. I NEED THESE INACCURATE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO LITIGATE! I mailed my letters out more than XXXX days ago and I have yet to hear of any investigation. this is against the laws and violating my rights In accordance with FCRA, Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are XXXX XXXX accurate you will be Civilly liable for negligent noncompliance
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a rental or consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have put on your XXXX form. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Collection Debt Amount : {$780.00} Unverifiable Account The copies of credit card statements you sent as verification IS NOT WHAT I REQUESTED. 



Thank You, XXXX XXXX.
Product: Debt collection

Subject : Failure to Comply with Debt Dispute Laws and Identity Theft Resolution I am filing this complaint regarding an unresolved fraudulent account reported by [ Creditor/Collector Name ]. Previously, I filed a complaint with the CFPB requesting deletion of the account, as it was not opened by me and constitutes identity theft. Instead, the creditor/collector agreed to close the account and cease collection attempts, but the account remains on my credit report, adversely affecting my creditworthiness.

This situation represents a clear case of willful noncompliance with federal laws, including but not limited to : Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Failure to provide original purchase agreements, terms, proof of debt ownership, or evidence of authorization to collect.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Furnishing inaccurate information and failing to remove disputed data.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Allowing unauthorized use of my stolen personal information.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : Engaging in unfair, deceptive, or abusive practices by misrepresenting resolution terms. 

By agreeing to close the account, I reasonably assumed this meant deletion from my credit report. The continued reporting of this account represents deceptive conduct and a violation of the terms communicated to me. 

This fraudulent and unresolved account is causing ongoing harm to my financial standing, including a negative impact on my credit score and creditworthiness. As such, I am seeking : 1. Immediate deletion of this account from all credit reporting agencies.

2. {$1000.00} in compensation under the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) for willful noncompliance, misrepresentation, and failure to act in good faith.

I demand immediate action and request that the CFPB hold this entity accountable for these unethical practices.
Product: Credit reporting or other personal consumer reports

This communication is to address a serious matter concerning the reporting of information in my consumer file, which I have identified as a result of alleged identity theft. In accordance with 15

U.S. Code 1681c-2, a consumer reporting agency is obligated to block the reporting of such information not later than 4 business days after the date of receipt. However, despite my initial communication, 30 days have elapsed with no action taken, constituting a violation of federal law. The accounts associated with the reported information should not be included in my consumer report, as their presence violates the stipulations set forth in 15 U.S Code 1681b. Subsection ( a ) outlines permissible purposes, and subsection ( c ) ( 2 ) states that any consumer reporting agency can furnish a report only with the written authorization of the consumer to whom it relates. - Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report : This account is in violation of any credit transaction supposed to be
excluded from a consumer credit report if a social security card was used in the transaction.

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 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: Student loan

I have been trying to arrange an income based repayment plan for XXXX months now. I mailed in my forms and supporting documents on XXXX XXXX, and did not hear back from XXXX. I emailed XXXX at the end of XXXX and did not hear back from them. I faxed the same forms to them on XXXX XXXX, emailed, AND sent new physical documents via XXXX. Still no word. 

Then, yesterday, they called me to " make sure I pay my past due balance. '' Mind you, the amount due has STILL not been addressed by anyone. The representative I spoke to then searched for my forms and told me they were in " processing '' and he would have to expedite the process. Excuse me, but is n't XXXX months long enough to process a simple request? 

Rather than understand that my case is being processed, this company has continued to call me with harassing phone calls repeatedly. This is abusive behavior, and it is damaging to XXXX credit report. I filed my forms on time, XXXX is holding up the process.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXX  to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Debt collection

This is a complaint from XXXX XXXX against Wells Fargo for Wells Fargo 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX, received a demand letter from creditor, Wells Fargo. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

I have a reporting on my credit reports in collections that states I owe {$1800.00} to XXXX at XXXX. It was opened XXXX. It was last reported XXXX. It is stated as an individual responsibility. It is from Professional debt mediators. I do not owe this debt.
Product: Credit card

Every month we make more than the minimum payment out of our XXXX account. The account holder, statement, payments were verified, yet in still we make the payment before the due date every month. But when the statement comes out on the XXXX it reflects the higher balance before the payment is posted. Then we are told that the payments are being held for 5 days to clear when the payment comes directly out of the XXXX account immediately. So now because they keep putting our payments on hold our monthly bills are being declined causing us to have late charges on our necessary bills. This is a fraud because we make a small payment and it posts right away. But make a larger payment to pay down the balance, and they put a hold on it. We even got charged an over the limit fee because a payment we made was held for 5 days which made the payment irrelevant. I feel as if they are predatory lenders on seniors. We are on a fixed income and can not afford the shenanigans of wells Fargo. We have not been given a valid reason why our payments are held every month even though we have never missed a payment nor have we ever been late on a payment.
Product: Debt collection

I have been fixing my credit for a year now and doing well. All of the sudden this enhanced company with XXXX  hidden where you can't find. So I assume it's XXXX  trying to collect again after I got this taken off twice now. I would.like to know how to take legal action against them. They lowered my credit score by XXXX points for an account.I know nothing about. And enhanced recovery is a predator when it comes to fixing your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my corporate owned business on XX/XX/XXXX. My credit card processing company threatened me with {$490.00} cancellation fee, my actual processing fee of {$59.00}, {$20.00} fee, and an additional {$200.00} fine/fee. When we discussed this issue on the phone the lady I spoke with threatened me, that she would put this corporate bill on my personal credit report, basically extorting me out of my money. I paid the {$490.00} dollars even though it was not my personal debt for fear of her ruining my personal credit, which is exactly what she threatened to do. She said if you do not pay this today by XXXX I will ruin your credit score and it will drop into the 400 range and no one will ever loan you anything again. This happened on XX/XX/XXXX. I have the email of the company and of the individual that extorted a corporate bill, to use against me personally. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX