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

XXXX, XXXX AND EQUIFAX, through there paid subscription gives authorization to XXXX XXXX TO ACCESS THIER SYSTEM REMOTELY GIVING THEM SOLE AUTHORITY TO REPORT CONSUMER ACCOUNTS AS VERIFIED ALSO THESE THREE COMPANIES GAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO CLASSIFY A CONSUMER ACCOUNT AS NOT BEING FRAUDULENT WHILE SIMULTANEOUSLY PROHIBITING XXXX, EQUIFAX AND XXXX ALONG WITH THE CUSTOMER FROM DISPUTING THE ACCOUNT AS FRAUDULENT. IN PLAIN ENGLISH AFTER A BUREA BLOCKS AN ACCOUNT AS FRAUD ANY PAID SUBSCRIBER CAN ACCESS THE ACCOUNT AND UNBLOCK IT AS FRAUD AND PREVENT THE CREDIT BUREAU OR THE CONSUMER FROM CHALLENGING ITS LEGITIMACY AS FRAUD EVER AGAIN! GIVING A PRIVATE PAID SUBCRIBER THIS BIAS AUTHORATIVE CONTROL VIOLATES THE FCRA IN ITS ENTIRETY. No consumer has any rights whatsoever given the access given by these three major bureaus. The above information was provided by a supervisor of all three bureaus. 

These accounts is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for over 90 days. I am filing this complaint because XXXX  for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Product: Payday loan, title loan, or personal loan

Due to COVID 19 I am not receiving a paycheck and my account is currently overdrawn. I have explained this to them however they will not offer any assistance and have reported me to the credit bureaus. They continue to try withdrawing different payment amounts. The last one that was returned to them from my bank was {$56.00}. I would like for them to help me since this is a hardship situation and also remove the report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Mortgage

On XX/XX/XXXX I contacted AmeriHome mortgage company inquiring about a mortgage balance, payoff balance and wiring/ routing instructions. I was given all the information. 
On XX/XX/XXXX Funds were wired from my XXXX XXXX account per the wiring instructions I was given to the loan sub servicer XX/XX/XXXX XXXX in the amount of {$55000.00} ON XX/XX/XXXX I checked my account with AmeriHome and my payment had not been posted. I called AmeriHome and was told they could not find the wire and to wait another day for it to post. 
On XX/XX/XXXX the funds still had not posted. I then called AmeriHome again and was told they were looking into the issue as to send them proof of the wire via email or fax and I did both On XX/XX/XXXX the funds had not posted and I called AmeriHome again and was told it may take 5 days or so to post and that they did receive the wire receipt that included the tracking number. 
On XX/XX/XXXX I decided to call XX/XX/XXXX direct and was basically rerouted back to AmeriHome. It appears all inquires are routed to the same call center. 
On XX/XX/XXXX I received an email on AmeriHome, s website portal that they received my proof of wire and I should hear back from them in 15 days. This is unacceptable as this is a large sum of money that they cant find or just refuse to post. Now I will have to make another mortgage payment in order to stay current. 
On XX/XX/XXXX I called AmeriHome again and spoke with employee ID number XX/XX/XXXX. She acknowledged my concern put me hold hold and then told me that it may take up to 20 days. I asked to speak with the supervisor, told her I wanted the wire traced and funds posted immediately. Supervisor ID XXXX said she emailed accounting and I should hear back by XX/XX/XXXX It is completely insane for a customer to go through this process. With the receipt in hand it should take no more than 2 days to post my credit. Hours on hold, dropped calls while on hold etc., over XXXX that they refuse to locate. 
The XX/XX/XXXX has REVOKED XX/XX/XXXXaccreditation.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a promotional email from Chase bank regarding my Chase Freedom card XXXX for a My Chase Plan with {$0.00} plan fees and NO INTEREST. On XX/XX/XXXX around XXXXXXXX XXXX  I booked a ticket XXXX for {$7500.00} for travel to XXXX on XXXX XXXX app. By XXXXXXXX XXXX  that same morning I realize my departure time from XXXX to XXXX was too early in the morning. I called XXXX XXXX on their XXXX toll free number to CANCEL that ticket. I then rebooked my travel to XXXX on the XXXX XXXX app with the same dates with a later departure time from XXXX to XXXX on XX/XX/XXXX. The NEW booking ticket XXXX charge for the same {$7500.00} on XX/XX/XXXX. When this charge XXXX posted to my account I created a My Chase Plan for 18 months at {$410.00} with NO fees or interest charges. XXXX XXXX Refunded the CANCEL charge of {$7500.00} to my account after they erroneously let the charge post to my account on XX/XX/XXXX. The refund was posted on XX/XX/XXXX clearing on XX/XX/XXXX. On XX/XX/XXXX my statement closing date I received an email from Chase at XXXX XXXX XX/XX/XXXX XXXX EST informing me that I had already PAID off My Chase Plan before Ive make my first payment?! I scheduled my first payment for My Chase Plan on XX/XX/XXXX at XXXX MST, the day after my statement closing date. I scheduled a {$500.00} payment for XX/XX/XXXX. On XX/XX/XXXX when I checked my Chase mobile app I was SHOCKED to see that I was charged a PURCHASE CHARGE of {$150.00}! I called Chase immediately at XXXX on XX/XX/XXXX and spoke with XXXX a call center rep for Chase in XXXX, FL for 54minutes. She did her best working with two supervisors to remove {$150.00} interest charge. However, she informed me that My Chase Plan was no longer in place. I followed up that call by sending several messages to Chase through the Chase website over a span of several days. Then 11 days later on XX/XX/XXXX speaking with Chase rep XXXX in the XXXX I found out that I was a victim of Payment Allocation. I then obtained Chase Executive Offices email by a XXXX search where I sent Chase executive offices an email detailing my problem. On XX/XX/XXXX my case was forward to XXXX. I spoke XXXX a couple of times between XX/XX/XXXX and XX/XX/XXXX. Sending several emails with all the relevant documentation. XXXX informed me on XX/XX/XXXX that My Chase Plan can not and will not be reinstated. Obviously I didnt agree with result and voice my displeasure with Chases determination. Its my belief that Chase capitalized on a technical glitch to take advantage of me and by charging me interest when we had an agreement for 18 months that there would be no interest added to my XXXX XXXX charge of {$7500.00}. Its my belief that XXXX XXXX shouldve just reverse the charges since I CANCELLED the ticket within 8 hours during the 24 hours cancellation rule. There shouldnt been any refund to begin with since I immediately CANCELLED the purchase. That gave Chase the opportunity to do away with My Chase Plan to my detriment but to their benefits of charging me interest. Heres the Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently someone fraudulently applied for an XXXX student loan through XXXX for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for Experian I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.
Product: Credit reporting or other personal consumer reports

Hunter Warfield is reporting an incorrect collection and balance of {$5300.00} as XX/XX/year> for a joint account. XXXX XXXX XXXX is the reporting original creditor. The debt is being settled with the owner by XXXX XXXX XXXX.
Product: Mortgage

Ive been working with XXXX XXXX  submitted all paperwork for a modification. With no response. This was in XXXX.
Product: Credit card or prepaid card

XX/XX/2018 Consumer Financial Protection Bureau Hello, I have XXXX XXXX XXXX XXXX credit card. I have been receiving bonus/rewards money for using the card on XXXX and to make other purchases. 

XXXX has taken that money. It was a couple hundred dollars which I was purposely letting build up. I have emailed XXXX three times asking where my money is. XXXX refuses to address this matter, redirecting me to non-existent links. 

When I call I get put on hold until I am disconnected. When I start a chat the person says to hold while they investigate and I am disconnected. When I email I am told it is being working on and they will get back to me - no one has gotten back to me and I have been at this for almost a month now! 

I did not use the rewards money, nor transfer it, nor authorize XXXX to take it. My point is, that money was building up and XXXX took it, all of it! XXXX has been giving me the runaround because they are a huge company and think they are not accountable for stealing! 

I want my rewards money returned to me. I want XXXX to put that money back on their website, at the the checkout point, where it has always been. 

What a disgusting company to think they can just take my money and I'm supposed to lay down and take it because they are XXXX! They are becoming an abusive, customer service nightmare! 

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

So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a XXXX XXXX XXXX card from XXXX that showed up on my credit reports.I never signed up for a XXXX XXXX XXXX card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the sXXXX XXXX XXXX card when they said it was denied.XXXX needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXXXXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX  valid thru ... .XX/XX/XXXX account closed on ... XXXX or XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 My wife and I were shopping mortgage lenders and got a mortgage pre-approval. My credit scores came back XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. The low score from Equifax was attributed to a " serious delinquency '' that they found on my report. This is incorrect as there are no delinquent accounts at all on any of my reports with any credit bureau. 
-- -- -- -- -- -- - XX/XX/2018 I called Equifax to ask what was going on and why was my score low and my report showing " serious delinquency '' when there wasn't one on my report. To explain the score, they said that different credit bureaus use different models for scoring. This is obviously true, but there wouldn't be a 60 point difference between Equifax and the other two bureaus. They stuck to the script about that's the difference. I asked to speak to a supervisor about my " serious delinquency '' and why the file said that. I verified with two different supervisors that there were absolutely no derogatory remarks on my account and they couldn't help me with why the report was saying that. They offered to send me a free paper report to verify for myself. 
-- -- -- -- -- -- - XX/XX/2018 I received the paper report from Equifax and verified that there not only were no " serious delinquency '' on the report, but that there was no negative information at all. Again, a call to Equifax resulted in nothing being done and no fault admitted. Just them continuing to say they weren't sure why it said that and they use different scoring models than the other two bureaus. 
-- -- -- -- -- -- - XX/XX/2018 While checking credit scores from different credit cards and credit monitoring tools, my scores are now XXXX - XXXX, XXXX - XXXX, XXXX - Equifax. There is still a 60 point difference with Equifax and the reason still cited is " serious delinquency '' which I've been unable to get them to verify or remove.
Product: Checking or savings account

I deposited a check made out to the XXXX XXXX. I am XXXX XXXX and do business as the XXXX XXXX. I endorsed the check as XXXX XXXX XXXX the XXXX XXXX. I made the deposit into my checking account that I've had with bok for 30 years. The check was presented and paid by the issuing bank. But bok refuses to give me the money. In Oklahoma you do not have to file as a dba with the state. They refuse to give back to the bank that paid them. They have said they will just keep the {$4500.00} if I can't prove that I operate as the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  - Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Inquiry - XXXX  XXXX XXXX has XXXXiolated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My identity was stolen someone used my information to open a credit card by the name XXXX XXXX XXXX AND THE DEBT AMOUNT WAS SENT TO DEBT COLLECTOR BY THE NAME OF PORTFOLOIO RECOVERY ASSOCIATES ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX
Product: Debt collection

In XXXX of XXXX, the account ( XXXX ) was closed by me, and a XXXX  tech came and picked up the equipment, and the final payment to bring the account to a XXXX balance was made in XXXX of XXXX. After the final payment in XXXX, the account was no longer assessable online, and no mail regarding account came to my residence. In XX/XX/XXXX, the XXXX showed up on my credit report. I contacted them as follows : First case number provided : XXXX Date : XX/XX/XXXX Spoke to : XXXX and XXXX ( Manager ) did not provide employee number. ( XXXX XXXX employee ), they stated that they had applied the amounts paid to a different account ( not in my name ), and that they didn't know how that happened and assured me they would resolve the issue. Advised resolution : Balance transferred to XXXX  account number XXXX in 7 business days. 

XX/XX/XXXX - was again advised 7 - 10 days XX/XX/XXXX - promised an email would be sent XX/XX/XXXX - no email and XXXX advised they would send XX/XX/XXXX XX/XX/XXXX - no email sent XX/XX/XXXX - no email. Advised again XXXX - XXXX hours XX/XX/XXXX - escalated to management- XXXX. Provided proposed resolution date of XX/XX/XXXX ( Regular XXXX  ) XX/XX/XXXX - spoke with chat agent XXXX who provided ticket number XXXX ( Regular XXXX  ) XX/XX/XXXX - Received a call from XXXX. No resolution. I advised I was giving them until XX/XX/XXXX to resolve before escalating further XX/XX/XXXX - XXXX to someone from XXXX named XXXX. Escalated 2 levels Spoke to XXXX and spoke to XXXX who provided new case number of XXXX ( Regular XXXX  ) XX/XX/XXXX - XX/XX/XXXX called multiple times to try to speak to XXXX, XXXX, XXXX and XXXX. Left messages. Was promised call backs and never received. Lost access to XXXX XXXX account. regained. Many calls were made in between all of these dates. Nothing was done. Nothing was completed. 

Instead of dealing with their incompetence, they sold the fictional debt to an outside collection agency in XXXX. I advised collection agency of the same issue, they refused to deal with it, I disputed with the credit bureau and it was removed. 

In late XXXX XXXX the debt was given back to XXXX  ( IC System ), and I had briefly spoke to the woman at IC, who told me they were not wrong, I never paid, I tried to explain the situation. but she didn't listen. I told her she needed to send proof of the debt. She told me they don't have to, if I want it, I needed to send my information to them in writing, but because I didn't send it to them in XXXX or XXXX, that they don't have to prove anything and it's my debt. 

I tried to dispute again with the Credit Bureau, but there is not enough room in the dispute form to explain the situation, so they denied the dispute and said it was FCC compliant. 

The dates and amounts of the payments are as follows : XXXX XX/XX/XXXX payment arrangement amount set w/ XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) XXXX XX/XX/XXXX payment arrangement made with XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) payment arrangement w/ XXXX XXXX XXXX XXXX XX/XX/XXXX Final payment leaving account paid in full.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : RECEIVABLES PERFORMANC Account Number : XXXX Date : XX/XX/2018 Amount : {$660.00}
Product: Mortgage

TRUIST is intentionally delaying the review and acting in bad faith. They continue to request additional information despite them being the 2nd position lender. I have explained this to them over and over. However they continue to request the same documents over and over and not moving the short sale along.
Product: Credit reporting or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1700.00}
Product: Mortgage

Borrower submitted an application for a loan modification. Lender requested pay stubs showing borrowers year to date income on pay stubs. We notified lender that borrowers employer does not provide year to date income on pay stubs but provided a letter from employer on the employers letterhead stating borrowers income year to date. Lender will not move forward lender is still insists borrower provide a pay stub with year to date income on pay stub.