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

I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my Equifax report it shows that XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX, On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX On XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX BANK XXXX XXXX XXXX all ran my credit it and it shows up on my credit report. I have filed a dispute with Equifax and they replied with the information on my credit report is valid. When in fact it is not valid and I am a victim of fraud. 


XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX CAPITAL XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX BANK Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. 
I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX AND XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID
Product: Credit card or prepaid card

A purchase from XXXX using their financing services, provided by TD Bank, was made last year. The item was returned to XXXX within 10 days and a customer support representative assured me the balance was credited back to the account and no further balance remained. I have since received dozens of calls and two letters from TD Bank requesting payment of the full balance. I have spoken with XXXX who continues to assure me the return was processed and charge reversed. TD Bank still continues to pursue this balance despite being provided this information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to dispute inaccuracies on. my credit report with the following inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual! 

XXXX - XXXX XXXX XX/XX/XXXX -This inquiry was solicted as a soft pull by XXXX XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual XXXX XXXX  XX/XX/XXXX - This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the Business Loan which was not factual
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of applying for another loan, my credit report showed a delinquent account with an overdue amount to a utility company in Texas. I have never lived in Texas and my last XXXX  trip to Texas was at least XXXX years ago. 

I submitted a dispute to TransUnion XXXX and the utility company - I'm still waiting to hear from the utility company ). TransUnion 's " investigation '' stated that my report is accurate with regard to the amount due the utility company. They provided no evidence or explanation as to why they think this is correct. TransUnion should be obligated to provide documentation and verification. 

I can not prove a negative - it's up to them to prove this is my account.
Product: Checking or savings account

Three times in a row, my bank has been taking more than 10 business days to deposit a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2020 and XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card

I pre-paid for an appointment at a dentist to have work done {$6200.00} around XXXX. On XXXX XXXX, I was prescribed some type of medication for anxiety. I took this medication an hour before I went into the dentist on the seventh. I do Not remember going into the dentist as soon as I got there I guess they had me go out back and I was put under sedation. I woke up on the XXXX  and I barely remember the XXXX. They told me my ride signed for my credit card. How is this even possible. This is about the full Amount on the XXXX. I have been refunded for services not rendered just dont want that to be confused with XXXX should be completely refunded in full due to being incapacitated. I do have medical logs if needed. I gave the credit card company all the information and its been over XXXX  days and they keep on just closing the Dispute.
Product: Debt collection

collectionSeventh Avenue has reported a debt to my credit report. I do not know where this debt came from. I disputed it with the credit bureaus and they said Seventh Avenue verified the debt to them. I have requested copies of physical documentation to validate and verify this debt and have been ignored. 

A company collection named XXXX stated they had no information concerning this account also and removed their status. Seventh Ave has not and they claim to be the original creditor. This is violation my FCRA and Fair Debt collection rights. How can they report this information with out any proof?
Product: Vehicle loan or lease

. In XX/XX/2018 while I was at XXXX XXXX XXXX I called Wells Fargo to pay my monthly car note. While I was on the phone with customer services representative, he informed me that I was a month behind. I was like " wait a minute that doesn't sound right, I Just paid you. '' He couldn't give me a straight answer of when it was and where I was behind. I have called to several times to get straight answers on all stemming from this one incident. I have been told 2 out of 3 times that they do not do automatic payment plans to someone else saying yes they do automatic payment plans. They have never informed me that they do online automatic payments through online banking. I have asked to speak to management only to be yelled at. This has been THE MOST unprofessional company I have ever had the displeasure to come across. All representatives have been inconsistent with company policy. I have been asking for over 30 days for a 10 day pay off letter which I am entitled to obtain, I am looking to refinance through another bank with a higher interest rate just so I do not have to do business with Wells Fargo. I have utilized my resources to obtain further assistance, Consumer Affairs counselor from XXXX XXXX XXXX was able to contact Well Fargo and spoke with XXXX supervisor of customer service. XXXX stated that she will email XXXX with the 14 day pay off and the payment history for the length of the loan for review. I would like to resolve this matter by receiving the 14 day pay off letter and for the lender to adjust my credit report history within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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.

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My friend passed away and I was listed as his beneficiary on XXXX Citibank accounts. A death certificate was presented on XX/XX/XXXX and I was told by Citibank that they would send a check in 10 days pending account review. XXXX month later I hadnt received a check and went into my local Citibank branch and was asked to fill out a form and the check would be sent out immediately. XXXX weeks later I hadnt received the check and was told by the local branch XXXX that the check had been mailed XXXX weeks prior.. I told him that the check was not received. They took a day to research it and gave me a tracking number. When I called XXXX and Citibank, I was told it was sent to an undeliverable XXXX XXXX XXXX XXXX said the package was at their warehouse facility, so I drove over XXXX minutes each way to collect it. When I arrived at the facility I was told they no longer had it and it was unrecoverable in their warehouse. Citibank confirmed this. When I asked for a replacement check it a wire transfer, they said only a replacement check could be issued. The XXXX then spent the next few days going back and forth with various departments and I was told that Citibank didnt know which department was supposed to issue a replacement. They then told me that I needed to sign a affidavit that the check hadnt been received, which they prepared and I signed. Since the bank XXXX at Citibank still had no idea when I would receive the check I called several departments including the inheritance department and the account reconciliation department. No XXXX knee who was responsible for replacing the check so I was directed to an account escalation XXXX. I waited and waited and ultimately was forwarded to XXXX separate escalation managers. The last one told me that there was a form that needed to be filled out and I told them to contact the local branch XXXX to advise him. They did, and he called me and said that they needed the same form I filled out previous, only that it needed to be notarized. I asked the XXXX to prepare it and I would come in to have in notarized. He told me that they didnt have a notary available until next week so I had them prepare the form, which was identical to the previous one I had signed and didnt even have a notary block on it. I signed the form across the street at my XXXX XXXX branch and had them notarize it on the spot. It was returned immediately to Citibank 5 days ago and I still have not heard back from Citibank as to the status of my check. The about is in excess of {$320000.00} and Citibank has now had over XXXX weeks of using my money with no compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Balance {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) Balance {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION O

F 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Mortgage

In the beginning of COVID our mortgage company CMG FInancial reached out to us to offer assistance to defer our mortgage. We agreed to do that. Then when FHA allowed a program for putting the balance at the end of the mortgage loan. A Partial Claim Deed of Trust was signed by us for the amount of XXXX. We resumed making mortgage payments on XX/XX/2020. Even though we were highly discouraged from making them from customer service since they didn't have the signed documents back from the " investors '' of the deferral who was allowing us to do a Partial Claim Dee. We have made payments ever since. I spoke with a loan counselor in XXXX. She and I went over every payment I made which she could see on her end and I could verify through my bank account. She sent emails to her supervisors stating that there is an error. She also requested on my behalf a face to face meeting with CMG since it is an FHA loan. Today, XX/XX/XXXX there is no resolution and I just received my mortgage statement still requesting XXXX and stating that are past due in the amount of XXXX and we are 3 months past due. They are trying to apply current payments to supposedl late payments, but again we have been making payments since XX/XX/2020. I have called them every SINGLE month with them promising resolution and yet here we are. I don't know what else to do other than go outside of them and try to get this resolved.
Product: Credit reporting

There are some closed collection accounts on my credit report which do not belong to me.
Product: Debt collection

XXXX and XXXX aren't verifying my info with Procollect who's is a 3rd party debt collection agency who has no written consent from me to have my info. 

In addition both agency 's have received copies of my Original contract, which states by Law that I can not be charge more than the relleting fee of {$900.00}. However, I'm being charged over the legal amount and the debt collection agency is asking for {$3000.00}. {$2100.00} more than the actual fee. If in fact the credit bureaus actually verified this amount they would notice that. I also used XXXX XXXX for my credit dispute and XXXX and XXXX keeps changing my dispute to something other than XXXX XXXX keeping Procollect on my file longer when in fact it should have been permanently removed from my credit reports from all 3 Bureas and not just XXXX
Product: Credit reporting or other personal consumer reports

I received a credit inquiry from a company I've never dealt with and don't know who they are. Also, my bank pulled a credit inquiry even though I didn't apply for any products or services. 

JPMCB XX/XX/year>XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

XXXX XXXX broke a 1 year contract with a price guarantee 3 months before the end of contract. The contract ended XX/XX/2023. During that time they had a ransom ware attack that lasted a number of weeks. I repeatedly tried to cancel my service. Telephone and online service was nonexistent. They continued to bill my credit card. Finally after weeks of trying to contact them I told the representative I wanted to cancel my subscription. They give me a credit and that everything was taken care of. Now 8 months later they sent me a bill for {$72.00}. I called XXXX and that turned into a heated argument with a service rep that has no clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

REVIEW DOCUMENTS ATTACHED : Navient denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you TWICE and your neglect has violated my rights. I am demanding a deletion of the following account. Account name : XXXX XXXX XXXX. Account number : XXXX
Product: Debt collection

XXXX XXXX XXXX / Resurgent Capital Services is claiming I owe {$700.00}. Original Creditor listed as XXXX XXXX XXXX. I have no knowledge of this account whatsoever. I have disputed this via XXXX but the account has not been removed. I received a call from the debt collector who verified my identity by telling me my SSN and DOB and the DOB was incorrect. I sent a certified letter to XXXX / Resurgent Capital Services at Resurgent Capital Services XXXX XXXX XXXX, SC XXXX. The letter I sent XXXX / Resurgent demanded they mail me evidence the account belong to me but I have not received any letters validating the debt.
Product: Checking or savings account

I have been a customer with ally since XXXX. My checking and savings accounts were locked due to me attempting to deposit a check i had already tried to deposit at XXXX XXXX and it wasnt accepted by them via mobile deposit. A wells fargo rep told me its still considered a live check so there is no issue trying to deposit elsewhere. 
I gave plenty of info and offered to provide proof of all of this and XXXX still just completely locked out. 
I spoke with someone named XXXX on XX/XX/XXXX day XXXX of it locked, and he was treating me like a criminal it was completely dehumanizing. I said i was concerned and he said you shouldnt be if you did nothing wrong.