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

Equifax/Equifax credit bureau has constantly been dishonest, contradicting, deceptive, unfair, and willfully noncompliance. I became aware of my rights as a consumer, natural person, living woman that I have to give Equifax/Equifax credit bureau permission to furnish anything on my consumer report. First they claim they could not locate my report but now they are claiming I provided proof of identity, which I did not because Im not disputing anything. Equifax/Equifax credit bureau is sending auto generated responses ( I have proof of the current and previous responses I and others received from the Equifax/Equifax credit bureau ) and Equifax/equifax credit bureau is not taking my vital situation up seriously. I also did not send them a request about inaccurate items. Im enforcing my rights as a consumer/natural person/living woman for Equifax/Equifax Credit bureau to remove the items as I requested. According to the SSA a social security card is not use for identification, which Equifax/Equifax credit bureau is requesting. Equifax/Equifax Credit bureau removed one account but not the remaining accounts I requested to be removed. They are violating my unalienable right to privacy.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting act. To conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a law suit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts.
Product: Credit card

I have a credit balance on my account of {$15.00}, I asked your Customer Service on the message section to send me a check of that amount, theyre asking me to go to the branch with my identification, may I know what is the reason for that?
Product: Credit reporting or other personal consumer reports

I filed a complaint against Transunion Information Services on XX/XX/2024 complaint number XXXX, regarding a fraudulent account reporting on my credit report from XXXX XXXX  XXXX and several fraudulent inquiries. Transunion XXXX XXXX has violated the FCRA, by failing to verify the account. Please provide documentation that XXXX provided to verify the account is accurate.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft!! ( PLEASE SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to XXXX due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX. 

Instantly, I contacted XXXX XXXX, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.
Product: Credit card or prepaid card

i contacted BOA onXX/XX/XXXX19 asked why they withdrew - {$24.00} from my bank account even though i am not set up for auto pay good thing they did not overdraft my bank account. Also when i called back XX/XX/XXXX19 their auto ivr system says 30 mins to 55 mins to speak to a representative. this is unacceptable. I feel the bank is being negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX BANK XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, 2021
Product: Debt collection

a. Dr, XXXX admitted it is a preventive but coding nurse coded as diagnostics
b. insurance call not tell how to code 
c, coding nurse refuse to change 
I went to the clinic for annual physical only.
Receiving the bill for a diagnostic test, I called my insurance company and they told me the code they entered is not preventative but diagnostics so that is not 100% covered.  And it is against the law for the insurance company to tell them how to code.  And the procedure code and reason code is not matching.
I went back to Doctor's Office,  Dr. XXXX said it should be regular preventive exam items. He called the nurse manager in and The nurse manager took me to her office and called the billing office.  The bill office person said they can not change the code. It is up to the person ( the nurse entered the code)to change.  but, the coding person refuses to change the code.  Also, they refused me to talk neither the coding nurse nor the Doctor.   It leaves me the powerless
Product: Checking or savings account

On XX/XX/2022. I was on my way to work and needed to take out money for rent. I attempted to take out {$800.00} from my checkings but was unable to take out as my checkings didnt have enough. I sent the money from my savings to my checkings to have it over {$800.00} but the machine still registered me having {$400.00} at the time and wanted me to do an overdraft protection which I did not want to do so I wanted to cancel taking out any money. The machine then said there was an issue and allowed me to take out my card with no money dispensing. I tried the other machine to see if it was just me but both machines were declining me from taking out money. The atm never opened and I was never able to collect the money and left. I came back hours later after work and asked the tellers instead for {$800.00} since I couldnt take it out. I sent a complaint to chase and after 20 days, they decided that I took out the money and reversed the {$800.00} the credited me. They are implying I took out {$800.00} and left when I know there are cameras that can show I never took out any money from the machine since it never opened.
Product: Debt collection

I have contacted XXXX XXXX XXXX regarding Account # XXXX at the address listed below via certified mail on XX/XX/XXXXandXX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have requested documents or agreements with my signature to confirm. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXXXXXX XXXX XXXXXXXX is not bonded with the state of Texas to collect any debt. 
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I requested that Experian tell me their method of verification for PHEAA acct including phone number and address of verifying party and name of person they spoke to the allegedly verify the debt. NOT VALIDATE but Verify who they spoke wit. They have to remove the debt from my credit report because its been approx 21 days and they said they updated me with the XXXX on XX/XX/year> and they didnt do anything.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint to Remove Fraudulent Phone Numbers and Addresses from Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding fraudulent phone numbers and addresses that have been associated with my credit report. I have been a resident at XXXX XXXX XXXX XXXX XXXX GA XXXX for the past 25 years, and I have had the same phone number, XXXX, for the last 25 years as well. 

However, upon reviewing my credit report, I have noticed that other phone numbers and addresses have been mistakenly or fraudulently linked to my identity. I believe my personal information was compromised during a data breach, and this fraudulent information is now impacting my credit report and credit score. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), I request that you take immediate action to remove these fraudulent phone numbers and addresses from all three major credit bureaus. As stated in the law, any inaccurate, incomplete, or fraudulent information must be removed from my credit report in a timely manner.

Therefore, I am requesting that all fraudulent phone numbers and addresses be removed from my credit report within four ( 4 ) days from the receipt of this letter.

Here are the details for your reference : My legitimate address : XXXX XXXX XXXX XXXX XXXX GA XXXX My legitimate phone number : XXXX I also request that a full investigation is conducted to ensure that my credit report reflects only accurate and legitimate information moving forward. 

Please confirm in writing that these fraudulent items have been removed from my credit report. I look forward to your prompt action in resolving this issue. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice different there is a different name reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

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: Mortgage

I've had a mortgage with Ditech ( formerly know as XXXX and GreenTree ) with the first payment due in XX/XX/2000. I've been paying my payment on time and within the grace period for over 19 years. This company has consistently misapplied interest and principal payments. 

There are over 100 payments were {$0.00} was applied to the principal. There are over 150 payments were the principal+interest+escrow+other are less than the payment. ( this account does not have escrow ). ( Payment History Attached ) Total Loan Amount : XXXX APR : XXXX Monthly Payment : {$730.00} Term : 360 months
Product: Credit card

bought a cell phone on XXXX withing chase credit card .but we found the item was used and damaged instead of as described brand new unopened box. so we contacted XXXX and chase credit card company right away, XXXX XXXX and seller admitted the fact the item was used XXXX agreed to change the charge, but had to go through chase credit because XXXX XXXX wont handle the transaction. so we contacted chase many many times they didnt do anything to protected customer instead they sent this transaction to credit agency.to lower my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX Ive been fighting with the credit bureaus to remove all of the inaccurate information and collection accounts that are listed on my credit due to fraud and me being a victim of identity theft and Experian has refused multiple times after calling, certified with signature required requests to remove the inaccurate information and accounts from my credit. I even provided an official police report that deemed that they agreed I am a victim of identity theft and I provided 2 valid forms of identification and they have yet to remove them. Per FCRA laws any information that is not accurate must be removed within 30 days. Which it has been over 30 days its been over a year!!! Experian has also failed to provide the proof on how the information was verified which they have to provide which they have failed to do such as well. They even provided me an alert stating that my information was found in the dark web and I could be a victim of identity theft!! I have reported this to the IRS as well because someone tried to file taxes under my social. All I am asking if for them to do what is right and follow the law as I have rights to protecting myself. 

I am stating from XX/XX/XXXX that I no longer would like any accounts reported to my credit reports!!
Product: Credit card or prepaid card

I attempted to log in to my Capital One credit card account, as I do frequently. I received an email that my device was not recognized. The two options of verification offered involved my landline, which would not work. I clicked on a link provided if I needed another verification option. A number was displayed ( XXXX XXXX XXXX ). I phoned this number and received an automated recording that informed me Capital One no longer managed my credit card account and asked me to provide my full social security number, which I did. Immediately after providing my social security number, the call disconnected. I phoned Capital One and they have no explanation. This is not okay. I have given my full social security to a fraudulent company and now my identity has been compromised. I am holding Capital One fully responsible. Their site listed this number. What will be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX  XXXX Balance : {$64.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}
Product: Debt collection

Wakefield and associates reports on my credit that I owe them money from XXXX XXXXXXXX XXXX. The say that in 2020 I took an ambulance ride. XXXX XXXX VA XXXX and only use VA XXXX. Ive never taken an ambulance ride. This is fraud!
Product: Debt collection

Security Credit Services llc are helping the original creditor XXXX XXXX COLLECT A disputed fraudulent debt by putting two collection accounts acct no.XXXX and acct no. XXXX ON XXXX  XXXX   AND XXXX  credit reports. 
Each account reflects a purchase of a sofa.Both sofas were defective in their construction and began to come apart after delivery.In less than several months both sofas had become rubbish for the trash heap due to poor workmanship, the screws or nails that the frames were held together with did not hold the frames together.When I approached the salesman at XXXX XXXX, HE OFFERED ME A XXXX DOLLAR condolence refund each on the sofas which I refused.Security CS works as the strong arm for XXXX XXXX who buys and sells junk products to the unsuspecting public for the typical price of what a sofa costs anywhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit card or prepaid card

Submitted A Dispute for Fraud After  Over 5k was mis sing from my Account and they Never followed up with me 30 days later I contacted them and they said a form needed to be filled out I filled it out and sent it back same da y two weeks lat er I called and they had denied it no written anyt hing and two weeks. Then the guy on the phone said that he was submitting a appeal and then I would know  in  two days b ut then I it was ag ain two weeks later I called and they declined it again! So then I submit my etc affidavit and police report and still nothi ng
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Resident type
Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA violations: payments never late XXXX XXXX XXXX
Potentially negative
Date opened
XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine
XXXX  Potentially negative
Date opened XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XXXX
Balance
XXXX
Status
Collection account. $12
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness. 
XXXX. **Failure to Provide Form XXXX : The agency did not supply me with Form XXXX for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks. 
XXXX. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data. 
XXXX. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights. 
XXXX. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.