23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a follow up complaint against EQUIFAX flat out lies on my last complaint against their bad practices and misleading and dishonest practices filed with CFPB XXXX. # XXXX where they were allowing fraudulent credit reporting against me from XXXX XXXX XXXXXXXX XXXX.Which is totally fraudulent , not mine and I do not owe them anything.They refused to validate as required as I knew they couldn't as its not mine, therefore it should properly be removed, further what they are reporting must be truth, accurate and complete and it's none of the above, to the contrary its fraudulent, not mine and I do not owe.EQUIFAX negligent practices are in my view enabling fraudulent activity as there is a clear conflict of interest in there practices and they should be held accountable properly as a private for profit company should ever be entrusted to secure my or anyone 's personal info, especially outsourcing to suspect countries.This complaint against EQUIFAX points out clearly they flat out lie, further damaging identity theft victims such as me and enabling fraudulent activity through their negligent suspect behavior as their response to last complain there flat out lied and stated they verified XXXX XXXX XXXX belongs to me , and that is a flat out lie, it is fraudulent, it is NOT mine, and I DO NOT OWE THESE FRAUDS ANYTHING.Refer to EQUIFAX LIES THEY DISHONESTLY STATE ON PREVIOUS COMPLAINT.NOT ONLY DID THEY FLAT OUT LIE STATING THEY VERIFIED IT BELONGS TO ME, WHEN IT DOES NOT, AND IS FRAUDULENT, AND NOT MINE, AND I DO NOT OWE CREDIT CONTROL OR FRONTIER ANYTHING.Because of these flat out negligent lies, it further emboldens and enables more frauds, which only serves to benefit them and the frauds in my view and should be illegal and stopped as it seems to only exacerbate bad guys fraud, enable them and from my view facilitate frauds, as it further causes exponential distress and damages to victims of identity theft and fraud like me.If these companies continue to lie and enable frauds they should be unprivatized and properly government entrusted to run, as the government is the only trusted entity here, what EQUIFAX and the many violations including flat out lying to the CFPB should never be allowed.What they stated is a 100 % LIE AGAINST ME, AND AGAIN, XXXX XXXX XXXXXXXX AND XXXX ARE FRAUDULENT ACCTS, THEY ARE NOT MINE AND I DO NOT OWE THEM ANYTHING, REGARDLESS HIW MANY TIMES EQUIFAX LIES FOR THEM.PROVE AND SINCE YOU CANT AS ITS FRAUDULENT, NOT MINE AND I DONT OWE, YOU MUST REMOVE.EQUIFAX HAS PROVEN THEY CANT BE TRUSTED DUE TO THEIR DUSHONEST PRACTICES IN MY VIEW AND IT OUTRAGEOUS AND DISTURBING THEIR ALLOWED TO LIE FOR FRAUDS.STOP THE LIES.SHOW INGRETITY AND HONESTY AS YOUR SUPPOSED TO BE ENTRUSTED TO SECURE AND PROTECT OUR INFORMATION, IF YOU CANT YOU NEED TO BE SHUT DOWN. 
Note : A higher agency needs to address and look into EQUIFAX and all credit companies dishonest practices, so I'm calling for who oversees these so-called credit companies especially EQUIFAX bad practices, this is disturbing what their freely getting away with wrongfully.At best a clear conflict of interest.
Product: Debt collection

In approximately XX/XX/XXXX or XX/XX/XXXX, Allied Collection Services , Inc., ( ACSI ) contacted me regarding an alleged debt that I owe. I did not immediately  recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. About a month of time elapsed and I never received the written validation. I called them back approximately at the end of XX/XX/XXXX or early XX/XX/XXXX. I notified them that I still had n't received the written validation for the alleged debt and requested that they immediately send it to me. I still have n't received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple issues with Equifax. Most recent is regarding two items reported as derogatory by XXXX XXXX XXXX where the creditor has refused via phone to validate the debt in writing and also has not responded to the written request to validate the debts within the required time frame of 30 days per the Fair Credit Reporting Act. I was advised by the Equifax rep that I would have to file a complaint with the police first for them to acknowledge these claims, Even though I provided Equifax with supporting documents that validation of the debts was requested. ( As I also reported to CFPB previously ). This was a surprising request and not one required by the other two agencies. I did attempt to file a complaint with my local police but was advised the request by Equifax was unusual in that the federal government had specific guidelines that had to be followed regarding the validation of debts and if this creditor could not prove that had been done timely then that should be all that was needed. Also, that this was a civil matter and not criminal. 
Also, every time I have opened a dispute with Equifax, my credit score is reduced. For example, I had XXXX student loans that were being reported as duplicates and when the dispute was opened on each loan, there was an immediate reduction of XXXX points per loan and my credit score was reduced by a total of XXXX points. It appears that Equifax is penalizing for opening a dispute. 
Please assist in these matters. Is it common to require a police report when a debt collector dies not validate debt in the time frames required by the federal government? And is Equifax supposed to be reducing a credit score when a dispute is opened?
Product: Mortgage

This is regarding the current covid financial issue that was supposed to be placing everyone at ease with being unemployed. In XX/XX/2020, I submitted a request to Wells Fargo Home Mortgage for a three month deferred payment option due to the COVID financial crisis that put a strain on my ability to make those payments. I made my XXXX payment, never have missed a mortgage payment in 30 years and should have gotten no response until XX/XX/XXXX payment due. Since that time frame, I keep getting letters and emails from Wells Fargo that are completely unnecessary waste of paperwork. I then spoke to a customer service representative on a recorded line ( XXXX ) who said no worries about starting that next payment in XXXX. Unfortunately, they just send more form letters ( per their customer service rep XXXX stated ) that doesn't put my mind at ease with the financial stress. My next mortgage payment would be XX/XX/2020. I have excellent credit rating and do not like the way Wells Fargo is not handling this in a cordial manner. The nature of the financial deferred payments was to reduce stress of the people. Wells Fargo is failing to do this at this time. There were no notes in the file when I called them back on XXXX to clarify what exactly was going on internally with my mortgage. They then said that they would give three months more,
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple accounts are reporting incorrect balance information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I am impacted by covid19 so this debt should not be thrown to collections. I have no knowledge of this account. Several years ago I had an employee of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sign me up fraudulently for contracts. I complained to attorney generals and the XXXX. I was told the employee was fired and i would have to sue them. I was also told it would be removed. Please help me get this off my credit report. Seems like some local XXXX Florida XXXX business tricks. Again.
Product: Prepaid card

On or around XX/XX/year> I received two letters from Wells Fargo stating that two accounts had been opened in my name. I have never opened an account at Wells Fargo bank. On XXXX XXXX XXXX  my XXXX XXXX XXXX prepaid XXXX XXXXXXXX card was used at Wells Fargo ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXs without my authorization. I have never used my XXXX XXXX XXXX prepaid card at a Wells Fargo ATM nor have I ever made inquires at any of Wells Fargo bank locations. I have never had an account with Wells Fargo bank. After inquiries were made at Wells Fargo ATM 's money was taken out of my XXXX XXXX XXXXXXXX XXXX  XXXX account. I have documents showing that on XXXX XXXX XXXX inquires on the same date in XXXX XXXX and XXXX XXXX were transacted at close time frames.
Product: Debt collection

No money has been taken. The accounts taken over by this company was almost to the 7 year after default. I have made no payments nor have I admitted to the validity or non-validity of the accounts they are contacting me about. 

They have sent me emails with offers to pay off the previous creditor but they no longer own the account. I have filed disputes through credit monitoring applications and I still receive emails from this company. 

I had received some phone calls where they asked if I had been served papers to take me to court and to file charges against me.
Product: Credit reporting or other personal consumer reports

Equifax did not reinvestigate XXXX XXXX XXXX XXXX XXXXXXXX properly they have not sent or mailed any proof from this account providing payment history. If they can not validate then please update account payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not correct personal information which is inaccurate and incorrect. 
TransUnion has an incorrect address. I have written several times to remove this address and nothing happens. They are aware of what I request.
Product: Debt collection

I am repeatedly ( nearly daily ) emailed by Halsted Financial regarding attempts to collect a debt that is not mine. The SSN in their files does not match mine, nor have I ever used the vendor for whom they claim to be collecting. This is bordering on harassment.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds available at the time transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits. 

This issue appears consistent with recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially having adequate funds at authorization. I believe these practices are deceptive and unfair, causing undue financial harm. 

I request a thorough investigation into my account transactions to identify and rectify any improperly assessed overdraft fees. Additionally, I ask that Navy Federal Credit Union review its policies to ensure such issues are prevented in the future.
Product: Credit reporting or other personal consumer reports

I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called XXXX XXXX XXXX XXXX, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and XXXX XXXX ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the CC in their bank, which is XXXX, and that is all she can provide me. The other bank, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. XXXX XXXX informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/XXXX  ( 2 ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/XXXX   ( 3 ) XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( 4 ) XXXX 's XXXX and XXXX XXXX Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to two representatives from Conns customer service. My complaint was the principal balance was not being updated on my credit report. And has not been updated for months. 1st rep  said that she would put in a dispute 2 weeks ago. I never heard anything back about the principal balance. So I called again XX/XX/18 and the rep said she would put in a disuse. I have little faith in the stories these reps tell.
Product: Debt collection

This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
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 Account : XXXX  Account : XXXX Account : XXXXXXXX XXXXl Account : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights 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.

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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Enrolled in rehab student loan agreement to stop payroll garnishments ... .made all payments turned in all required paperwork. They stop taking payments out of my personal account. I called them the inform them and figure out why. Agent stated I had been rejected from program due to a " black line '' on my paper work, this stopped them from approving rehab program. I re set up the payments. They start receiving the money from my personal account. My pay roll check Started being garnished 3months after I had to reapply, even when I made the payments out of my personal account. Student loan co stated that they sent the letter after I set up payments in error, however they can not stop it once its started. Im now being told they will never stop the garnishment until all money is paid ... while they continue to take the monthly payment off my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, XXXX and Trans union has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.
Product: Credit card

I applied for a Barclays JetBlue credit card. I received communication from Barclays that they needed more information from me to establish my identity ( social security card, etc. ), which I sent to them. I never received any further information from them by mail about the status of my application, nor their reason for denying my application. I mailed a letter to them two months later asking again for status and reason, but have not yet received any reply. If my application was denied, they never gave me a reason for the denial, nor told me directly about the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just signed onto my credit karma account. Today is the XX/XX/XXXX. But I've noticed 5 hard inquiries. The first is XXXX XXXX  on XX/XX/XXXX I have no idea what that is. And the second is XXXX XXXX on XX/XX/XXXX. I've never went through XXXX XXXX I have no idea what company that is. And I have two XXXX XXXX  on my account one was inXX/XX/XXXXand the other was in XX/XX/XXXX. And I don't have any XXXX XXXX  cards. I've never had XXXX XXXX. And the last is XXXX XX/XX/XXXX I have no idea what that is I've never heard of that. So I believe someone has ruined my credit with all of that cause I've never been with anyone of those company 's
Product: Credit reporting or other personal consumer reports

There is inaccurate information reporting on said consumer report. According to 15 USC Code 1681s-2, an agency is responsible for providing accurate info. Also I have no late payments. There is a violation of 15 USC Code 1681a. XXXX XXXX, XXXX # XXXX XX/XX/year> and XX/XX/year>.
Product: Student loan

I need a forgiveness because I am struggling to stay in school. Payments are unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX Avanue account. I called XXXX XXXX in reference to balance of XXXX $ that i paid so many yrs ago. It is so old my personal information and account info no longer exists in their computer system i paid this account. 
XXXX, XXXX and Transunion all have this account showing as derogatory / unpaid Please remove i read closed accounts have XXXX impact on crefit reports
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX XXXX failed to do the following requests : Credit XXXX XXXX XXXX The General - Paid in Full - XX/XX/2024 - Reference # XXXX Confirmation # XXXX - On XX/XX/2024 - The General Representative agreed to remove collection once Paid in Full - XXXX  refused to remove but incorrect data remains on credit report in negative reporting and remains on XXXX, XXXX & Experian nor does it states - Paid as Agreed but as a negative reporting - - " Potentially Negative '' XXXX XXXX Paid in Full - {$570.00} - XX/XX/2024 - Confirmation # XXXX On XX/XX/2024 - Per XXXX  XXXX Representative agreed to remove collection from all credit bureaus once Paid in Full but remains on XXXX at & Experian nor does it states - Paid as Agreed but as a negative reporting - " Potentially Negative '' As a XXXX Veteran, the above matter continues to prevent me from establishing a clear credit report in order to purchase my first home and non-secured credit cards. I pray you can assist me in this vital matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my report and I noticed that my credit score went down to 10 inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!
Product: Mortgage

Loan was sold earlier this year to NewRez XXXX Provided both XXXX XXXX XXXX XXXX XXXX XXXX Polices through web portal XXXX Insurance Agent mailed XXXX XXXX XXXX Policy to provider ( confirmed address ) XXXX Provided both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through web portal after receiving another letter stating lender would place insurance coverage on property. 
XXXX XXXX XXXX XXXX XXXX speak with a representative. Representative indicated they only received one policy. I sent both policies to her while on the phone. She indicated that the XXXX XXXX XXXX was not adequate coverage for the new lender. I told her this was not explained in any of the letters which was misleading. I also didn't choose to have this mortgage sold to a different lender. I also indicated that we have had this same policy since XXXX  without any issues and this would come at a great expense to us. Practice is misleading to send notifications without information on how to resolve without calling. Also suddenly requiring additional coverage is penalizing and comes at a large expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with XXXX, EXPERIAN AND XXXX and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!
Product: Mortgage

I contacted Rocket Mortgage for a cash-out refinance loan. 
They provided me with terms and I communicated that I was not interested and found a better solution. 
Since that time ( 2+ months ago ), they continue to call me about every two hours between XXXX XXXX and XXXX XXXX. 
I am logging in a harassment case. 
They have some kind of robo-calling campaign and its harassment.