23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax shows a Federal lien in the amount of {$1400.00} that has been withdrawn by the XXXX. I have submitted the paperwork from the XXXX showing the withdrawal on XXXX separate occasions. Each time Equifax claims to have verified the lien. This is not possible as I have a copy of the court recording and have verified again with the XXXX that were are absolutely no liens that were not withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION XXXX XXXX, has 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 a account without my written instructions
Product: Credit card

I have received packages that I did not order from XXXX ( XXXX ). These were charges on my XXXX, XXXX  and XXXX credit cards. These transitions occurred from XX/XX/XXXX to XX/XX/XXXX. I have since had all XXXX credit cards frozen/deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit card company numerous times to please note that they are not accurately reporting my actual account and that they have duplicated accounts on my reports. This is impacting me severely as i am now in several job interviews and that question comes up that you have two accounts with the same company and one is satisfied and the other is shown as derogatory and they are for the same accounts. Please see the following : ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5400.00} PAYMENT {$0.00} 30 2 60 1 90+ 5 PAID CHGOFF SOURCE XXXX/XXXX/XXXX TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 62 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES AFTER RESOLUTION ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES EXPLANATION : OUTCOME : 005 ECOA / WHOSE B / B BARCLAYSBK XXXX***** ACCT TYPE REV REPORTED XX/XX/XXXX HI CREDIT {$5000.00} PAYMENT {$0.00} 30 1 60 1 90+ 4 CHARGE OFF SOURCE XXXX/XXXX/XXXX   TERM - OPENED XX/XX/XXXX BALANCE {$0.00} PAST DUE {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX MO REV 99 LAST LATE XX/XX/XXXX DLA XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; TRANSFER/SOLD ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES
Product: Debt collection

I am writing to report fraudulent accounts on my credit report, confirmed by an identity theft report filed on identitytheft.gov. The associated banks, unable to provide records, have assured me of immediate removal. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a modified home loan with Wells Fargo and have a lot of equity in my home. I tried to refinance and use the equity to include about XXXX in other debt thus reducing my payments and interest but W F said no without even considering my case. I went to XXXX XXXX XXXX XXXX who holds some of the XXXX and they said sure they could refinance all of it but after seeing my income they said no. I am the sole income due to my wife 's chronic health issues and we have never been late or missed a payment in 12 years. I built the house myself to save money, but the bank would rather see me lose the home than give me any break on interest since they own most of the different loans I hold and they are raking in the easy money from my hard work.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit file, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently opened or affected due to identity theft. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was completely taken aback this morning to find inaccurate accounts on my credit report, and I have no idea where they came from. I check my report regularly, but this time, there were discrepancies that just appeared out of the blue. I tried refreshing my browser, thinking it might fix the issue, but the inaccurate accounts didnt go away. Even after refreshing, they were still there. Because of this, Im requesting a thorough review of the documents Ive provided so I wont have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying for months to cancel the credit monitoring service from Equifax. The only option available is to call in and cancel but I am never able to reach anyone. I just sit on hold for hours. Please help!
Product: Mortgage

I received a notice of mortgage transferal ( selling my mortgage ) from XXXX. They are selling my mortgage to Nationstar Mortgage LLC. The mortgage sale will be complete on XX/XX/XXXX. It is now XX/XX/XXXX. Nationstar Mortgage LLC has NOT provided a service transferring notice as required by law. They are well known for making a disaster of people 's transfer paperwork, not paying insurance and property taxes out of escrow, and have horrible online reviews : unless you go to a site where they pay money to be 'verified ' ( i.e. - the site allows them to remove negative reviews ).
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FALLED TO FULFILL ITS LEGAL OBOBLIGATION UNDER THE FAIR CREDIT REPORTING ACT [ FCRA ] TO CONDUCTA REASONABLE REINVESTIGATION OF DISPUTE INFORMATION ON MY CREDIT REPORT LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOVLED.THE CONSUMER FINANCIAL PORTECTION BUREAU [ CFPB ] HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER -PROVIDED EVIDENCE TO FURNISHERS ACCEPTING UNRELIABLE RESPONSES AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES.THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIAN HAS NEITHER CORRECTED NOR REMOVED OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIAN 'S INACTION VIOLATES FEDERAL LAW AND RIGHTS AS A CONSUMER.
Product: Student loan

I have historically found XXXX to be very unresponsive to any questions i've had about my loan and found their interest rates to be excessively high, so in XXXX of 2018 I refinanced my student loan with another servicer. The balance on my account was paid off, and yet on XX/XX/2018, XXXX continued to autodebit my monthly payment of {$180.00}. My XXXX account currently shows a negative balance of {$180.00} ( yes, {$9.00} more than what my autodebit charge was ). I sent them a message asking how and when they would refund me this negative balance and to confirm that the auto payments would be discontinued. Because my account is paid off, I don't have access to all the normal features on my online account ( for instance, i can't see my payment history to confirm when the balance was paid off and became negative, and I can't access the autopay settings to confirm whether it's still active ). I have messaged them twice and not received any responses other than some automatic email responses with some " FAQs '' ; the auto response didn't even say that someone would respond within 24 hours. It has been almost a week and I have not received any formal human response or confirmation from XXXX. I have spent an inordinate amount of time trying to get in touch with them and find it impossible to get a human response ( I shouldn't have to spend hours on the phone during my work hours trying to fix their mistake ). I just want my money back and to make sure that they never try and access another cent from me.
Product: Debt collection

The debt collector hasn't provided proof that the alleged debt belongs to me. This company hasn't sent me anything to give me the right to dispute this alleged account. debt was sold from the original creditor after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX XXXX # XXXX, HAS 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS to add notes
Product: Credit reporting

I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a 2nd issue, the information is also inaccurate and incomplete. I disputed this information with XXXX, Experian and XXXX. XXXX has recently deleted the XXXX tradelines. Only XXXX & Experian are still reporting. To date, I disputed the tradelines 3 separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least 2 separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and XXXX & Experian did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my XXXX & Experian credit files & reports.
Product: Credit reporting or other personal consumer reports

As you can see via the screen shots I have attached screenshots & scans telecheck was the only agency out of the 3 being them, XXXX XXXX XXXX  within the 30 days or at all really so good on them for that but after reviewing the report they sent me there were so many blatant errors on there I still think that it may be someone elses report if not my identity was stolen, it would literally take less time to name everything right in the report then it would to name everything wrong & thats not hyperbole I am literally serious it would, here are some examples I.e. I owe the state of floridas highway department $ & /or wrote a bad check tho I have NEVER driven in the state of Florida as I havnt stepped foot in Florida since I was XXXX XXXX XXXX, I wrote a bad check to XXXX XXXX but have never done XXXX XXXX worth of business with XXXX XXXX , same with XXXX XXXX & they have me writing a {$1500.00} bad check to XXXX XXXX where if you handed me a guitar it would be like giving a monkey an XXXX, I would have not the 1st clue as what to do with it, Ive not strummed 1 cord on a guitar in my XXXX XXXX on the planet, Ive never stepped foot in a XXXX XXXX & I truly believe I have never even seen 1 but if I have I certainly dont know where 1 is & the list goes o n & on so I started a dispute on XXXX was given ref # XXXX. Since that day again as you can see in the screenshots & scans Ive reached out to telecheck through every medium I could, phone. Fax & email & received no response, now as you can see Ive attached the original fax receipt from when I first sent in my disputed report on XXXX it is XXXX as I write this that is 76 days, to say they are in wild breach of federal law & the FCRA would be a gigantic understatement, I need them to do what federal law requires them to do because they did not respond in the 30 day limit given per the FCRA & that is delete any & all negative marks from my report, the evidence is clear as day, it is time stamped & in disputable as is the FCRA so seeming how telecheck along with its 2 cousins XXXX XXXX XXXXXXXX refuse to adhere to federal law I need you at the CFPB to step in as my next step is litigation & id like to avoid that.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCUCRACIES ON CONSUMER REPORT XXXX ACCT # XXXX BALANCE XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ). 

XXXX XXXX ACCT # XXXX BALANCE XXXX LAST PAYMENT ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) # ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ). 

XXXX DELETED ACCOUNT # XXXX
Product: Debt collection

On XX/XX/2023 i have recieved another email and another phone call from the company XXXX XXXX in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, Date of XXXX XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had my XXXX student loans refinanced in XXXX of 2024. I did not realize until XX/XX/year> that I had received XXXX reimbursement checks from them for overpayment ( XXXX checks for the XXXX loans ). The amounts for the checks were : - {$250.00} - {$120.00} - {$100.00} - {$110.00} - {$240.00} - {$180.00} - {$200.00} - {$71.00} I attempted to deposit these checks into my Chase checking account at the same time through mobile deposit on the phone app. I was advised that day, XX/XX/year>, that Chase had restricted my account and would be closing it if the issue wasn't resolved.

I contacted Chase and was advised of what the problem was. I was told by the employee in customer service that due to the amount of checks, they needed to verify the checks with the issuer ( XXXX ) to ensure that they weren't fraudulent. The individual attempted to contact XXXX through a " verified '' phone number but had no success. I recommended the phone number provided on XXXX 's website and on the letters sent to me with the checks but the individual advised that the phone number was not verified. 

I contacted XXXX to see if they would be able to contact XXXX but they advised that they would not be able to as I would need to be present for the conversation. I requested that XXXX or XXXX of the checks be cancelled and new ones be reissued. The individual I spoke with stated she would put in a request. 

Not long after, I noticed that my Chase checking account was closed. I contacted Chase who advised that it was closed due to fraudulent activity. I, again, requested the individual attempt to verify the checks with XXXX but again, the " verified '' phone number was not working. 

I went into a Chase location and met with a banker. He personally contacted the Fraud department and confirmed the issue I was having. He advised the individual on the phone that he was looking at XXXX 's website and it provided a different phone number than they had " verified ''. The individual on the phone advised that as the actual phone number is not verified, it can not be used. She did advise the banker that they would be trying daily to contact this phone number. I was advised that the funds from the checks would be held by Chase until it could be verified.

After reaching a dead end with Chase, I contacted XXXX again to see about cancelling the checks again. They advised me that the checks were cashed by XXXX and that they were unable to cancel them. 

Attached are my XXXX statement from XXXX showing the payment from the company who refinanced the loans as well as the refund payments sent from XXXX, A screenshot from XXXX showing these same amounts, and XXXX of the XXXX letters ( XXXX got destroyed while moving ) that were sent with the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I hired Equifax to care for my credit. I pay {$16.00} monthly for Equifax ID Patrol service, which will continue until they allow a cancellation order on XXXX XXXX, XXXX to go into effect. On XXXX XXXX, I was informed by media reports there company had been hacked. On XXXX XXXX, I tried to contact Equifax, and was directed to go onto a site to see if I was one of the millions who 's identity information had been stolen from them. I was indeed one of the millions who 's identity information had been hacked. After many hours and days of working on notifying my banks, credit card institutions, retirement institutions, putting freezes and identity theft notifications on all my credit et cetera, Equifax has never contacted me by e-mail or otherwise, to notify me of there recent security breach. The very reason I hired Equifax was to protect my most personal and sensitive information. They have unequivocally failed to do this, and are still forcing me to pay for a service that I did not receive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Credit card or prepaid card

XX/XX/2021 : XXXX XXXX. I tried to purchase a air ticket through XXXX XXXX. But I received an email saying my payment did not go through. I used my newly opened Citi Credit card and a gift card received through employer. 
Credit card charge was {$2300.00} and Gift card was {$250.00}. Upon calling XXXX XXXX, the first person told me, there was an issue with the gift card and the CREDIT card transaction went through. She matched the gift card and pin and said I entered all the information Correctly. She said the other transaction will fall off on its own and she is going to retry charging the credit card which was obviously denied because i already had a pending charge of {$2300.00}. Upon trying multiple times to resolve it with XXXX XXXX saying i have a bad credit card. 

My credit card has a {$4000.00} limit. I called Citi to confirm that the first transaction went through and which is why the subsequent transactions were getting denied. Without being able to resolve it, and after at least 4-5 hours on phone call, i asked them to cancel the ticket and hoped that the transaction would fall off. 

Today is XX/XX/XXXX and I still have the pending charge of {$2300.00}. In the meantime, i tried calling both the merchant ( XXXX XXXX ) and CIti ( the credit card company ). They both blame each other and say we can not do anything. You have to wait 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 state a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to capital one in making institution stated that I had several charge backs which came from reporting to the fraud department that I did not authorise specific charges in return the policy stated that I would get a phone call back from investigator and that a temporary credit will be placed on the account if it did not rule in my favour the money would have to be debited out of the account and Would be taken away from balance. Nobody ever contacted me from the investigations department and usually the money was approved and placed in my account without any problems. How 4 months after this happened while XXXX set up a personal account with XXXX XXXX and was brought to my attention that there was a reporting issue were capital one sent me over to XXXX XXXX in order to a retained some of their money. Have brought this to the attention of various supervisors and agents and also reached out to XXXX XXXX  there were tw o reports that were submitted to them and one in favour of the bank But when I was able to advise XXXX XXXX they should look into further and I was able provide As of now XXXX XXXX is consistently asking for a report and no resolution has made this is a great hindrance because as of now I have lossed several thousands of dollars and have not been able to recover from it due to the fact of not having a bank account Capital one can agree that I called in several times and also would have to try to resolve this issue I don't feel I have to pay the balance that is set forth due to the fact that they investigators agreed to give me my money back without any further questions
Product: Checking or savings account

After giving a scam call about my bank Information and PiN Code I was giveing a call from a collection agency.