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

Equifax did NOT protect consumer credit info ( Equifax data breach ). Their solution is to prevent actual owners of credit info from creating a new account to be able to access the credit info online. 
I tried creating an account at myequifax.com by providing ALL of the info needed to prove I am me. I got a message that my account could not be created -- I had to call. I was told there was a problem with creating my account and therefore I will NEVER, EVER be able to create an online account & I will ALWAYS ( UNTIL I DIE ) have to call or snail mail info to be able to manage credit freezes on MY OWN ACCOUNT. The person I spoke to would only tell me there was a problem and I would NEVER be able to find out or resolve ( EVEN IN WRITING ) so that I could create an online account. 
I was told that I will NOT even get a letter explaining what happened and how to fix the issue. They have ALL OF MY CREDIT INFO AND I CANT GIVE THEM ENOUGH OF IT TO PROVE I AM ME!!!! 
Having to call to manage credit freezes ( when Equifax is the bureau that did NOT protect MY credit info ) is incredibly tedious & painful ( a long intro message followed by one-by-one ~4-5 menu prompts for info entry, then entering a code texted to the phone # I provided in one of the prompts. Then a wait for a live person, then MORE questions to verify I am me. 
One of there questions was what is the minimum payment of one of your credit cards. I don't know because I pay the ENTIRE balance EVERY month. That answer was not good enough -- I had to log into my CC account to find the minimum payment ( that I NEVER, EVER USE ). 
The person I spoke to said my unfrozen account would automatically be re-frozen at the end of my requested period. But, since they didn't protect my info in the first place ( data breach ), how can I trust them????? -- I would have to call AGAIN ( and go thru the ENTIRE question / prompts ) to verify the freeze status. 
Remember -- it is Equifax who was EXTREMELY LAX at protecting MY account info -- now it is EXTREMELY DIFFICULT to handle MY OWN info!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX veteran and a XXXX XXXX sworn to protect the public. Wakefield & Associates is knowingly and willfully reporting a fraudulent collection to my credit report. Why their license to do business has not been revoked after numerous complaints is beyond my comprehension. 

While residing in California I was rear ended in my car in XX/XX/XXXX as I waited at a red light. The other driver was 100 percent at fault. Due to the severity of my injuries and the damage to my vehicle, I hired a personal injury law firm who immediately entered into litigation on my behalf. I was hospitalized, sent to therapy, and saw various specialists and healthcare providers as a result of the accident. ALL medical bills were the responsibility of the other driver 's insurance carrier until a settlement could be reached. 

Wakefield and Associates illegally and fraudulently reported a related medical expense of approximately {$100.00} to credit reporting bureaus, severely lowering my FICO Score which has damaged me financially. I disputed the collection with XXXX on XX/XX/XXXX, the dispute number is available if needed. The dispute results indicate Wakefield and Associates verified the collection as being valid, which is easily proven false! 

Because of Wakefield & Associates ' fraudulent reporting practices and the state of Tennessee 's refusal to revoke their license despite numerous complaints against them and the lives they continue to adversely impact with their fraudulent practices, to date, XXXX refuses to remove the erroneous collection based solely on the word of this fraudulent reporting. 

Hold, in my opinion, this corrupt, unlawful, despicable business accountable. Force them to remove their unlawfully reported collection from everywhere they reported it IMMEDIATELY! Because of this and the multitude of complaints against them, I further request revocation of their license to conduct business and their executives be put in prison for reporting false information resulting in financial hardship for unsuspecting consumers. For each individual who takes time to monitor their credit report, dispute information, and file a complaint against this company, I imagine there are many more who have been adversely impacted, unlawfully, by Wakefield and Associates just as I have been.

Any governing body or oversight institution that allows this to continue is complicit in Wakefield and Associates ' unlawful and unethical practices. Imagine what may have happened if I was seeking employment with this collection on my reports? This matter needs to be taken seriously.
Product: Mortgage

I need help saving my home from bogus fees, and cost being billed to me monthly by my lender FAY. 
About six months ago I applied for a loan modification ( however, on XX/XX/XXXX I declined offer extended XX/XX/XXXX for {$770.00}. The outcome would have made my payment higher so I declined and continued making my mortgage payments. I was not late when i applied and have not been late since I applied. 
My mortgage statement is currently showing due for {$880.00}, however my regular payments are {$770.00} and I have no late fees or any other fees. 
This lender has sent in writing that my payment has changed from {$800.00} ( XX/XX/XXXX ) to current {$880.00}. 
When I called to address they place the call on hold for hours, and then hang up. I have been working with a Housing Counselor at XXXX XXXX XXXX for XXXX XXXX for the last 6 months and no results with the lender FAY. Please help resolve this issue.
Product: Checking or savings account

Hi, I am filing a complaint against TD Bank. 

XX/XX/2021 my husband purchased running shoes from XXXX XXXX. The phone number is XXXX. I highlighted the charge on the attached XX/XX/2021 statement. The amount is {$140.00}. My husband never received an order confirmation from XXXX XXXX XXXX the shipping information. Therefore, he filed a dispute with TD bank. We received a letter from TD bank stating that fraud did not occur. While waiting to resolve the dispute, the sneakers arrived. My husband returned the sneakers to XXXX XXXX, asking for a refund. XXXX  XXXX returned money to a closed TD bank but TD bank refuses to refund us the money. TD bank can not locate the money. 

We worked with the local TD branch in XXXX XXXX, Florida to find the money. The money is not found after a month. 

Can someone help us locate the money and reimburse us? 

Thanks. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am composing this to formally dispute any inaccuracies that might have surfaced on my credit record. Upon meticulous examination of the data, I have discovered some significant errors in the account specifics. The fact that these mistakes can negatively impact my prospects and financial status makes me concerned.

These anomalies need to be promptly resolved in order for my credit profile to continue being accurate and legitimate. As required by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the disputed items and their immediate correction.

I've attached supporting documentation that outlines the distinctions for your review and thought. Your timely attention to this matter is greatly appreciated, since it is essential to maintaining my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. Section ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to 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 got into the hands of the wrong person.
Product: Credit card or prepaid card

Your Address Your City, State, ZIP Code ( Your email address, if sending via email ) Date Name of Contact Person ( if available ) Title ( if available ) Company Name Consumer Complaint Division ( if you have no specific contact ) Street Address City, State, ZIP Code To Whom it may concern : Re : XXXX  MasterCard - XXXX On XX/XX/XXXX I purchased a used transmission from XXXX XXXX XXXX XXXX. 

Unfortunately, the transmission had a bad throttle body, making the part defective. The part came with a warranty so I called XXXX. XXXX advised the throttle body be removed and cleaned and then re-installed for a test. The problem being, I would have had to pay my mechanic for the labor. My mechanic, himself, even spoke with XXXX and explained the situation. As explained by my mechanic, cleaning the throttle body would not have done any good. At that point in time, I disputed the transaction as I was sold a defective part and XXXX expected me to put more money into the labor of cleaning the part in order to honor the warranty. I had my mechanic repair the throttle body which cost me over {$500.00}. I am disappointed because Keybank sided with XXXX and put the charges back onto my credit card. I do not feel I should have to pay for a defective part and that Keybank should protect their customers financial interests. 

To resolve the problem, I would appreciate the disputed amount be removed from my credit card balance. Enclosed are copies of my receipt for the repair. 

I look forward to your reply and a resolution to my problem. I expect a resolution by XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the XXXX Sincerely, XXXX XXXX Enclosure ( s )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I have been a victim of a data breach, and these entries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$7800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$580.00} XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : 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 reporting or other personal consumer reports

I have attempted multiple times to have the bankruptcy information removed from Equifax, XXXX, XXXX and XXXX XXXXThey are still reporting information they should not be
Product: Debt collection

this account was charged without my permission and is not a verified account. this account also belongs to a third party there is no payment agreement. 

Velocity Investments XXXX XXXX credit card
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I requested that XXXX, XXXX and Experian to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

I requested the PMI insurance on my loan to be removed. I followed my lender Quicken loans process, which involved filing a request with a personal check. I was told they would assign an appraiser who would contact me and set up a time to appraise the property. 

I was contacted by the first appraiser and we spoke on the phone. The property is rented and managed by a local property management company. I gave him all the information, it is required by law, that the renter be notified before access to the property is available.The dates i spoke to the first appraiser were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. The appraiser, the management company, and myself were all working together, when the company that employed the appraiser cancelled the appraisal! I was notified by Quicken loans that this was done because the appraiser was unable to make contact with me, which was a lie. 

A second appraiser was assigned who i spoke with on XX/XX/2019. We had a conversation and i texted her the information on the same property management company with every detail to facilitate the appraisal. The rep for the management company called her on Monday XX/XX/2019, sent her an email, and i texted her. On the same day i got another email from Quicken loans stating that the appraiser was unable to contact me, and unless the appraiser heard from me in a week, they would ( again ) cancel the appraisal to remove my PMI insurance. I spoke with Quicken loans, and the appraiser. Both appraisers said they had no idea why i was being told they had no contact from me. On XX/XX/XXXX, two days after the email saying i had a week to make contact with the appraiser, which i had done, i was notified the lender had again canceled the appraisal. This was done after repeated conversations and a firm upcoming time to inspect the property in less than a week! 

Quicken loans said they had no idea, and would again assign me a appraiser, and would not provide me the name of their third party contact who apparently had ordered the appraisals to be canceled before they could be done.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I XXXX XXXX, receive a letter on XX/XX/21 from Portfolio Recovery Associates, LLC as a response to my request to validate what they assume a debt of mine. On the letter I disputed I even ask a contract that I signed with them as a proof of my debt and it was ignored and insisted that I have a validated debt to them. FDCPA Section 1692c. ( c ) Says that I have the right to refuse to pay this debt unless me the consumer validate it myself so no letters or contract what ever they may send me can validate anything about the debt they assume. I feel like I am being taken advantage of and it is causing me stress and my reputation is being harass.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I requested for Equifax to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of Equifax Data Breach and Equifax have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the accounts need to be removed immediately.
Product: Debt collection

We received two bills from XXXX XXXX XXXX in XX/XX/year>, and paid them promptly ( using one check for both bills ). XXXX were for XXXX XXXX, student at XXXX, and were paid by XXXX XXXX ( parent ). Since then we have continued to receive additional bills. After multiple phone calls to XXXX XXXX, I got the proof of payment from my bank and sent it to the address they provided for " investigation '' in XXXX. 

Since then we have heard nothing but continued to receive increasingly threatening letters about turning the accounts over to collections. We have each called them multiple times, and were assured that the issue was still " in investigation '' and that it wouldn't be sent to collections, despite the letters ( which they claimed they were unable to stop due to limitations in their computer systems ). 

We never heard anything back about the status of the investigation but have now been informed that the bills have been turned over to collections. Each time we call we spend a long time going through automated systems and waiting to talk to someone, and they are not helpful. 

We believe XXXX XXXX is now breaking the law in how they have handled this matter. It has caused us tremendous stress and aggravation, and is threatening the credit rating of a newly-graduated student just trying to establish credit. We asked about this situation on the XXXX XXXX facebook page, and several others reported having similar issues with XXXX XXXX. XXXX people said they had actually paid bills that they believed they'd already paid, just because XXXX XXXX kept hassling them and they didn't know what else to do. 

I'm not sure if this company is actively cheating people or just incompetent, but I would request that they be investigated. 

I am uploading the collections letters, the proof of payment provided by my bank, and the original bills. Highlighting shows that the account numbers match.
Product: Debt collection

Midwest fidelity XXXX has beeneaving messages about aoan they claim I took out in 2015 for {$1500.00} they can be reached at accounts @ midwestfidelity. I contacted them and I asked for information. They provided me a address phone number and the last four of my social security. The address and phone number were not mine however the last 4 of my SS was. They told me to contact this site and file a complaint. I have never applied for a loan at XXXX XXXXXXXX, no XXXX XXXX XXXX in my life. Please help.
Product: Debt collection

I was contacted about a judgement from   XXXX   whic h Javitch Block got r eactivated. I understand that they are allowed to do this. I came to a payment arrangement of {$200.00} per month for which they refuse to provide statements or billings The payments are due the  XXXX  of the month. I paid late this month on the  XXXX  and attempted for several days to call and discuss ( after submitting the payment ) with no response. You get in the phone queue and are  XXXX  in line, you count down to  XXXX  or  XXXX  and are then put into a voice mail that is full and you can not leave a message. This is after  2 hou rs on the waiting line. I did submt an online payment. They did not take the payment I submitted and have a confirmation number for I have sent a fax asking for contact, I have sent several messges. I have been in endless loops trying to speak to someone. I called and spoke witth an operator who immediately put me into a recording without listening to me. Currently am in a loop that tells you there is n o one av ailable to assist, your call will be returned in the order receied, you are advised to leave a message but then put into a voice mail that can not take a message. Please try it :  XXXX . I do n't know what to do about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore.

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed. Also as you can see in the picture below there are multiple
errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on Experian report over the last few months. 
Since I started disputing items they have refused to correct items on my credit report and now I cant access my report anywhere! 
They actually moved all addresses from my report since I provided documents to update my address to the correct address. 

I also tried to serve Experian since I am also pursuing legal action and XXXX issued a letter stating they can not forward the letter.