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

I called equifax numerous times to see why my credit score wont update since XX/XX/2022 and its XXXX. When I use XXXX  it tell me equifax have not record of my history online i pay XXXX a month for yrs never had a problem until last 2 months with equifax. Then if I log into equifax.com I got message with a code saying due to technique errors ur report is not updated for months, and it tell you to call equifax customer service with code and they was not knowledgeable regarding equifax code etc. when I pay for my fico score equifax not updating at all it tell me same thing to call equifax, I have proof of all messages it give u when I log into all my credit accts. I called all my credit card companies, car note, student loan, etc accts and they been reporting for yrs with no problems. They report my name, ss, address I been at for yrs. These is not new credit accts years n years old acct in positive status. Everytime I called equifax back they tell me its not a problem no solution, and im n process of trying get a mortgage and my scores stop being reported with no info all of sudden since XX/XX/2022 .i have paid off cards and paid down cards other been reporting with XXXX  n XXXX  with no problems. I need help and a fixed solution .I pay money for my credit monitor services I have few of them for yrs and never had this problem with equifax until last 2 months.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have 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.

These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts.
Product: Money transfer, virtual currency, or money service

This transaction is a total violation of my resources. Anyone can be fooled, but we all deserve to have weapons to defend ourselves. This transaction was made by an immigration service that this person did not perform, after sending these two transfers, one of XXXX and the other of XXXX, which I have a photo of because I can not see the other in my account, he simply disappeared, he scammed me and I never heard from him again, basically this person went through an immigration lawyer to get money from me and I have not been able to recover my money and I have not been able to file a complaint because it was all through XXXX the Bank of America
Product: Checking or savings account

IDENTITY THEFT VICTIM. FTC REPORT NUMBER XXXX. Bank of America was told via a phone call on XX/XX/19 i received from their rep XXXX to verify if i had opened 2 online bank accounts. I told them no! I have sent all documents, police reports, demanded over 9 times written, verbal, phone calls from them to CLOSE immediately these fraudulent accounts that were opened with my STOLEN INFORMATION! Not only have they not closed these fraudulent accounts but they are now Charging FEES TO THESE FRAUDULENT ACCOUNTS! I have filed numerous complaints with you the CFPB, federal reserve, FTC, office of the comptroller and still bank of America continues to operate illegally! CLOSE THESE FRAUDULENT ACCOUNTS NOW. All other fraudulent accounts concerning this identity theft have been closed and cleared. Bank of America apparently is the only one who cant seem to follow the law!
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

On XXXX/XXXX/2016, I sent Capital One a letter with a copy of my disputes to XXXX, XXXX, and XXXX for the derogatory Capital One account # XXXX XXXX XXXX XXXX ( see Capital One Letter ). I included a copy of the judgment in my favor against Capital One for that account. Also included was a request that Capital One correct the false and fraudulent IRS form XXXX that it filed for debt I am not personally liable for. 

On XXXX XXXX, 2016 Capital One sent me response letter requesting several documents and stating that it would respond in 30 days once I sent those documents ( See Capital One Response ). Oddly, Capital One seemed to be unaware that it sued me on this account and lost. Although I had previously included all of the items requested by Capital One in my correspondence, I again sent everything they requested in my letter dated XXXX/XXXX/2016 ( see Capital One Followup ). As of the filing of this complaint I have received no further response from Capital One. 

It has cost me considerable time and expense to repeatedly contact Capital One, XXXX, XXXX, and XXXX to correct the inaccurate information. Although XXXX has removed the inaccurate information, it is still being reported by XXXX and possibly XXXX ( waiting for a full response from XXXX on my CFPB complaint # XXXX filed on XXXX/XXXX/2016 ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Mortgage

XX/XX/22 recd notice of escrow shortage. Research to see what that means... Fine OK. I attempted to pay online as normal by paying both mortgage payments as well as the full shortage in one lump sum so my monthly payment would not increase. Can't do it online, As they have already applied the increase to my mortgage in 12 payments even though I hadn't even received the notice yet. No Way to pay the mortgage payment and the regular monthly payment as it is locked in to the increased payment now. I called XXXX says oh yeah you can do it online, so I tried again. No you can not change it. 2nd call female I'm happy to apply those payments correctly for you for {$5.00} fee. Last time I checked this is a government agency paid for by my tax dollars, you gon na charge me to fix your error? Repeatedly tried to Speak with a Supervisor but Reps place you on hold and never return. They are also increasing my payment by $ 22 monthly not {$15.00} as stated on the paperwork. This is borderline fraud. I have reported them before for Shady accounting practices, but no One ever does anything. All I want is to get it paid correctly so I don't have to call 14 times after they misapply it online. This is not rocket science, it is customer service and should not be a fee attached to That.
Product: Payday loan, title loan, or personal loan

I took out a payday loan last XX/XX/XXXX for {$310.00} with Cash Central. I was n't able to pay the loan back at the time of the due date and continuously called my workplace without my consent, called my house and also my cell phone. I called them and told them not to call my work as I am working and I am not allowed to take personal calls on our work phone. The calls continued until I lost contact. <P/>On XX/XX/XXXX I received a call from a collector in regards to the debt and told me that I now owe {$560.00} and wanted to talk to me about a payment plan. I told them I will call them back when I am not working and to call my cell phone to discuss. Since then, they have continued to call my work and cell phone at times 3-4 times within a 6 hr period. I requested them to not call my work, but my request has gone ignored. <P/>I understand I owe the company a debt. But to ignore a consumer request not to call is unprofessional.
Product: Credit reporting or other personal consumer reports

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. I've previously contacted you about this and now formally request these accounts be promptly blocked and removed from my report. Their presence has caused significant distress and inaccurately represents my credit history, hindering important financial goals like home ownership and providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.
Product: Mortgage

This is one of many issues I have had with Wells Fargo since the inception of my loan on my Maryland Property in 2004. After many years of endeavoring to obtain a loan modification, my status is in active foreclosure EVEN THOUGH Wells Fargo has received, and accepted, XXXX straight monthly loan payments for the full amount of the monthly payment due and owing. They have scheduled a sale even though they sent me several letters stating " we will not conduct a foreclosure sale '' while my most recent loan modification submission is under review. 
That said, not only have they scheduled a sale, but I ca n't even get in touch with my " home preservation specialist '' ( " XXXX XXXX '' ) as Wells Fargo 's switchboard blocks any calls to her. In fact, I have NEVER spoken with her. 
I have complained to the Executive Office ( CEO XXXX XXXX ) but all they have done is schedule the sale. 
The attorney 's they use here in Maryland paid a fine and were sanctioned by the Attorney XXXX XXXX for robo-signing and false notarizing. That is a matter of public record- just look up XXXX XXXX ( SEE http : XXXX ) and/or XXXX XXXX ( SEE XXXX : XXXX ) Against this back drop, I am gainfully employed at a XXXX figure salary and can make my monthly payments in full even if WF does not lower my payment. So, at this point, diverting my phone calls, ignoring emails, sending form letters, dealing with sanctioned attorneys, tendering payments which are being cashed, they are still moving forward with the sale. 
Wells Fargo 's conduct is deplorable, likely illegal, and clearly unethical, though I am not sure WF knows what that mean or, if they do, they clearly do not care. They need to be fully accountable for their actions complained of herein. 

XXXX XXXX XXXX, XXXX.
Product: Bank account or service

Bank of America charged me an overdraft on my account ( {$35.00} ) for withdrawing at my ATM. They said I already had overdraft protection on and thus should not have an option to withdraw more, but they apparently the ATM prompted me with an option to agree to waive that protection. I am XXXX, thus did n't read it. I called to get the fee waived out of courtesy, but discovered they had predatorily ignored my request to have overdraft protection on. They were in the wrong.
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX of XXXX sent a garnishment of wages to my job from a summons i literally got XX/XX/XXXX of XXXX, XXXX  years ago. I have not received a summons since then and the statute was over on this bill in XXXX. I refuse even owing this money and the dentist isn't even a dentist anymore. He was rude on the phone and very unprofessional telling me that i do owe this money and he doing everything legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has 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 has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I'm disputing a XXXX XXXX account # XXXX that been on my credit profile. I've disputed fraud and sent the evidence to the company they then closed the account but it still remains on my credit profile with all three credit bureaus. I disputed the credit bureaus and they said they confirmed proof that it's my account but never sent the proof. I want this fraudulent account removed from my credit report from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

NOTICE : XXXX and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Debt collection

I found several accounts in my credit report that seem incorrect and added without permission. Please block and remove these entries immediately.
Product: Prepaid card

I'm using gift cards from Blackhawk Network XX/XX/XXXXXXXX ( XXXX, XXXX ), and they have specific websites like XX/XX/XXXX XXXX XXXX XXXX XXXX to manage these cards. Recently, they introduced a bot detection system that is supposed to identify and block automated scripts, displaying a message that " you are entering information too fast. '' However, I am manually typing all the information, typically at a pace of one card per minute. Despite this, I am being blocked for 24 hours, and the only way to check a card balance is to enter the card information once every 20-30 minutes, even though they already have human authentication checks in place.

I believe they should either reduce the time limit or provide an authentication option that allows users to sign in and verify their cards with whatever frequency they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are listing a business that ain't real with my personal info which was stolen and misused. I keep asking them to delete it They keep sending auto responses instead of addresses my concerns. The business the have listed on their site XXXX XXXX is not a company and they are displaying my personal address. They have 2 profiles created with random information of me under XXXX XXXX that they have no authorization for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft my information was exposed in the equifax breach. 
I have fraudulent accounts reporting on my credit report
Product: Mortgage

I have used this lender and was promised that he was going to give me a point by providing in lender credit at closing. He indicated and displayed the points would be given to me at closing since i don't want to buy the rate down at closing with the point. On my closing, I don't see the point in lender credit.
Product: Credit reporting

This account was opened XX/XX/XXXX. I have n't had them in well over 7 years. I keep disputing it Experian is indicating I can not reinvestigate. This account keeps getting re-aged. Report shows opened in XX/XX/XXXX with history for only XX/XX/XXXX and XX/XX/XXXX as failed to pay.
Product: Bank account or service

I previously submitted a complaint ( case # XXXX ) regarding my fraudulently over-drawn checking account at Santander Bank, NA. The bank has resolved the fraud issue and reversed the charges and fees. However, during the process I noticed what might be a Regulation E issue. I submitted my fraud claim to Santander on XXXX/XXXX/2016. The bank reversed the charges and credited me for the charges and fees on XXXX/XXXX/2016. In the meantime, I received XXXX ( XXXX ) automated phone calls from Santander informing me that my account was overdrawn and that I needed to immediately deposit money to avoid additional overdraft fees. People unfamiliar with their rights under Regulation E may be misled by these messages into believing that they are responsible for over draft fees caused by fraudulent charges. They may then deposit money to offset the negative account balance caused by fraudulent charges just to avoid fees, potentially losing access to even more money then they lost due to the initial fraud for 10 business days for no reason. I contacted Santander about the issue but was told that the phone calls were auto-generated and could not be stopped. For lower-income people and families, this may represent a second type of victimization, where they end up temporarily losing access to even more needed funds than were lost in the initial fraud. Santander should be able to turn off their threatening robocall system in cases where a Reg E claim has been filed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I have had a number of unauthorized accounts/inquiries listed on my credit report. I also had a bankruptcy listed that was furnished by way of forgery. This bankruptcy account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need these unauthorized accounts and inquiries removed immediately
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Additionally, I have been incarcerated for the past 6 years 8 months and 17 days to be exact and released on XX/XX/XXXX. So I am perplexed to see this account on my credit report. I ask that you kindly remove this inaccurate account from my credit profile so that it can accurately be reported. 

XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX BALANCE {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax has been negligent in handling this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

A company that can not properly handle sensitive information should not be trusted and consumers should not be responsible for rectifying the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm a lil bit stuck with this transunion report that I just looked at and I have been having some issues with a couple other aspects but im not gon na be getting into all that I need to change a address and my phone number it's not correct at all as a matter of fact I was never really even residing at that address is just a old boss man of mine and I guess he didnt want to find out were u was I don't know but its the wrong street address and the qrong telephone number.. As well I would like to get my correct info onto the report like right away as I was saying it is really causing a lot of life or death issues in my situation right now but pls return my complaint re to : XXXX Thank you sincerely.. 
XXXX