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

The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX XXXX Balance : {$11000.00} Fraudulent Account : XXXX XXXX XXXX : Account XXXX XXXX XXXX Balance : {$1100.00} Fraudulent Account : XXXX XXXX : Account XXXX XXXX XXXX Balance : {$1300.00} Fraudulent Account : XXXX XXXX XXXX  : Account XXXX XXXX  : Balance : {$4000.00} Fraudulent Account : XXXX XXXX XXXX XXXX : Account XXXX XXXX : Balance : {$5800.00} Fraudulent Account : XXXX XXXX  : Account XXXX XXXX : Balance : {$3100.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Checking or savings account

In XXXX we received a letter to refresh our account from M & T Bank. On XX/XX/XXXX my husband and I went to the bank sat down with the bank manager. She took both our licenses did a lot of typing on her end handed back the letter and our licenses and say we were good. On XX/XX/XXXX the bank closed my savings and checking. I immediately called the bank which the girl accused my husband of closing the account and taking the money. I told her she was incorrect. She told me to go to the bank. My husband and I met at M & T Bank XXXX XXXX XXXX XXXX. They could not help us because as they were trying they lost power. Later in the afternoon they called to tell me the bank closed our account. I said this was unacceptable at which time I was told I had to call the consumer line to discuss with them because the branch could not do anything. I called Spoke to a supervisor who said give her 24 hours. I called again this morning. XXXX the supervisor said she told me 24 hours and she would call me back and 6 different departments were trying to recreate the account. I was also told they saw in XXXX that I refreshed the acct but my husband did not. 24 hours passed no call. I called they said the account is closed checks is in the mail takes 10 days and nothing about recreating account. They bank was 100 % at fault if the look back on security cameras for XXXX they will see me and my husband together. They are a bank give me my money back immediately in a cashiers check or new account. I have no bank account, no money and already get notifications about payments that did not go thru to pay bills. The bank just points to each other and not helpful or taking responsibility. This is criminal that a bank can do this to anyone.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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: Debt collection

This company is trying to collect on a previously discharged Bankruptcy debt that was discharged back in 2018 by a Federal Bankruptcy Judge in California. Also, this debt was established by a Business entity and established with the Business ' Employer Identification Number issued by the IRS to an Established and registered Corporation that was legally formed and recognized by the California Secretary of State. This collection company is falsely trying to come after me for this XXXX  debt when I never used my own personal social security number to establish this XXXX account nor did I agree to being liable for this XXXX account at any point during the life of this business account with XXXX, but yet the Collection Company, Convergent Outsourcing, is still trying to illegally collect on a Corporate Business Debt that was established solely by the Business Entity and not by any of it's corporate officer 's or myself, XXXX XXXX. This is why I had included this debt in my Bankruptcy filing back in 2018 anyway because of the necessity to try to protect myself from anybody that tried to illegally collect on any of the XXXX debts in which I had an involvement with at that time, just in case. Also, I would like to mention in this complaint that I have already tried to bring this issue to their attention by initiating a dispute with XXXX,  but they somehow miraculously lied to XXXX  about this debt because it was not removed from my credit report after the dispute. I am not sure how they were able to verify to XXXX  that this discharged bankruptcy and business debt somehow should still be collected upon by this company, but whatever it was that they told them, it was clearly a false and incorrect statement regarding this account because it still remains on my credit report with them. That's fine because now I have one more thing to add to my lawsuit against them if this does not get resolved here at this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. My funds were locked up and i can't access them. I am a student and i was relying on those funds for my survival. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Debt collection

Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX  of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

I contacted on XX/XX/XXXX and was told I would get return call on XX/XX/XXXX. I got no call, so I called and no solution was given. I was told to come to the branch, but there was no confidence. This was for Fulton Bank in XXXX A biller hit my bank account with automatic payments in error for very small single digit amounts. For each amount, I was charged a {$39.00} fee as well as {$6.00} a day overdraft fee. My charges were less than {$300.00} from the automatic payments. The fees assessed by the bank is close to {$600.00}. This is predatory and excessive charges. I have been a customer of this bank for 13 years and never had this issue. They just dont want to waive any fees and want me to go bankrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and the Equifax Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's Equifax XXXX and XXXX i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report Equifax 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 Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Product: Credit card or prepaid card

I was hoping to receive some assistance in regards to an online credit card application completed in XX/XX/2022 for the Synchrony XXXX XXXX  through Conn 's XXXXXXXX XXXX. The online prequalification link advised of my approval for a card with a {$3000.00} credit line. upon submitting, I called the appropriate number with the reference number. Please see attached letter showing the system denied due to a " previous application approved ''. I did apply for the same card in XX/XX/2022 and closed it voluntarily during the same month due to the fact that I did not need it for the purchase. Can you please look into the system glitch and have the card processed?
Product: Mortgage

Good morning, on XX/XX/19 we ordered the Reverse Mortgage Payoff ( deceased seller ) with the Appropriate Authorization. We received the payoff demand on XX/XX/2019. The demand expired XX/XX/19 ( only good for 7 days ) even though we stated payoff to XX/XX/19 ( We are attempting to close the Sale today and the new lender is ready  to fund ) If we do not get the UPDATED PAYOFF today ( which we ordered an UPDATED PAYOFF ) The new buyer loses their Locked Interest rate and will require a redraw of the new loan ) IF THEY CAN RELOCK THEIR LOAN. Seller 's Heirs are afraid they will lose the sale and if so, then can not payoff the reverse mortgage required When there is a death of seller ( Mortgagor ) ( 3 PEOPLE ) are quoting 10 business days from the receipt of  Attorneys payoff figures and are being steran and unmoving with Heir. The buyer purchasing the property may lose their interest lock and not be able to close. In turn SEller 's Heir would have to try to sell the property again.
Product: Debt collection

I have been getting calls from the number ( XXXX ) XXXX at least 4 times a day consistantly for the last few weeks and it has gotten out of hand. The person on the other end stated they were calling on an account from XXXX XXXX I supposedly had for $ 800+ owed on the account. I 've never had a XXXX XXXX account personally. When I explained to them that I have never personally did business with XXXX XXXX, they asked me to provide my Social Security number to verify, and I proceeded to tell him that he will NOT be getting my personal information, and I was then hung up on. I tried answering a call from the same number a few days prior and when I picked up, they hung up on me. This needs to stop. I have no debts that are delinquent with anyone and am up to speed on all of our accounts we do business with.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

A loan remodification was submitted without my knowledge and signatures ( 2x ) and the mortgage company in XXXX approved the loan modification and then in XXXX approved another loan modification but then rejected it because the person who applied for the modification without my knowledge and consent wrote on the contract .. Mortgage company allowed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel as the Equifax is intentionally trying to sabotage my credit profile. I have informed them on numerous occasions about the inaccurate information that they are reporting on my credit file and they have refused to remove this inaccurate information. I am gathering enough evidence to show Equifax malice intent. I have notified Equifax many times about their inaccurate reporting of my year of birth and they are reporting that i am 120 days late on an inaccurate reporting of child support. If I am 120 days late, then how is some of the reportings showing ok paid as agreed and then the following month it is 120 days late. This entire account is inaccurate.
Product: Checking or savings account

Frozen ACH for XXXX for 3+ months, no help, will not say why or when I can expect the funds to be released.
Product: Debt collection

This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation
Product: Checking or savings account

I opened an account with them back in XXXX or XXXX had XXXX $ from XXXX  transfered into my account. and tried to send 3 wire transfers. They failed and citi blocked/froze my account and online access. I then called to get this resolved and because I hadn't recieved my card yet they would not help me they said I would have to wait for them to send me a refrence number so the customer service lady said she me a refrence number. I was in the process of moving back to my moms house so wouldn't recieve mail at that address and she said that she got my address updated to where I was receiving mail well the refrence number never came its supposedly been sent 3 different times and never came. Ive called over 100 times and the only answer I get is I have to go into a branch.. I cant go into a branch the closest one is 700 miles away and I'm XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account in both my Equifax credit file and on my credit report from XXXX XXXX University, which is listed as the creditor. I contacted Equifax to let them know the information that was being reported was not accurate. I sent Equifax a dispute letter dated XX/XX/2021. I told them there was an incomplete and inaccurate account number, missing date of last payment field, missing date of first delinquency, and the payment history was inaccurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. 

Equifax has even gone as far as constantly updating my information in my credit file and on my credit report as they see fit, whenever they want, and updating whatever fields they please. This is getting ridiculous and I am requesting that this account be deleted immediately or I will sue Equifax for violations of the Fair Credit Reporting act and other state and federal laws. 

It amazes me that Equifax chooses to keep brushing past federal and state laws in hopes that people like me are not smart enough to check our credit reports. I check my credit report every week now, and it seems like every other week Equifax negligently and willfully disobeys these state and federal laws because they feel as if the Fair Credit Reporting Act and other laws do not apply to them. They also remove information and put information back on without mentioning anything about it, which is also a violation and against federal and state laws. The Credit Reporting Agency, or Equifax, continues to violate my rights according to 15 USC 1681.

If this account is not removed my Equifax credit file and credit report, I will take Equifax to federal court over these continuous violations and your total disregard to follow the law and obey my privacy. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person, which is another violation of other federal and state laws in addition to 15 USC 1681 and others. I have a list of violations that I am prepared to use in federal court. This unlawful credit reporting practices has also caused me extreme stress and credit denials.