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

My complaint is with Equifax. Equifax allowed my financial data to be unlawfully disclosed when they sustained a massive breach, or hack, a couple of years ago. Equifax confirmed my personally identifiable information was made public as a result of this breach and enrolled me in it's Trusted ID credit protection service. In late XXXX I was told I was being assigned to XXXX 's IDNotify credit protection service for a period of one year unless I chose not enroll, in which  event I would have no further credit protection services from Equifax. I was forced to enroll with XXXX prior to XXXX XXXX, XXXX, which I did. However, now that I've enrolled with XXXX, Equifax apparently closed my access to it's reporting system and refuses to reestablish access so I can verify information they are reporting to others currently including my Credit Union. I've gone to considerable lengths and expense to protect my information by obtaining new credit cards and numbers and new banking arrangements, to include new accounts, login credentials, automated payment arrangements etc. I have a very high credit score which has recently been lowered significantly by Equifax as reported to me by my credit union. When I paid off a recent loan early my score went down again. I need access to my Equifax account to monitor actions that make no sense. I'm concerned they are still reporting an outstanding loan that has been repaid in full. They've already acted negligently and were not timely with their disclosure of the breach when it occurred more than 2 years ago. I'm forced to keep my credit files constantly frozen, through no fault of my own. And now they refuse to allow me access? This is not right. I'm doing their job for them. I'm a retired veteran, and deserve better. I need immediate access to my Equifax account.
Product: Credit card or prepaid card

I retired as of XX/XX/2019 and moved to XXXX as of XX/XX/2019 for a year. Since moving to XXXX my bank XXXX XXXX  / Netspend keeps blocking my account so I dont have access to my government social security direct deposit. I have proven my identity each time. But now they want proof of my identity with my address on file within the last 30 days which I dont have I sent them all of my closing bills but they wont accept them I have explained this over and over I have sent them my final paycheck with the correct address but they wont accept that either I sent my XXXX  XXXX  my passport my lease and electricity bill from XXXX I have sent everything asked for but no one there is listening and I will soon be homeless and starving in XXXX when they have my SSI and final check. They keep threatening me with closing my 6 year old account and sending me a check which would not get through customs nor would I be able to cash it here. Please I cant get anyone to even look at the previous notes I keep getting the exact same answer we need something from my address on file from the last 30 days which is the closing bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : US SM BUSINESS XX/XX/XXXX XXXX SM BUSINESS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing 2 Capital One accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply Capital One with more information in order for them to investigate the account. I am unclear as to why I need to help Capital One investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the XXXX bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Product: Debt collection

I filed a complaint because this company is a fraud. This has tried to collect debt for 12 years from me without consulting with their client. This debt they are referring to is from the Illinois department of revenue. Sir, please always consult with your client. Despite a collection for state taxes " the Illinois department of revenue '' will still take your state taxes if you are in collection. They don't care. I work as well so i called the Illinois department of revenue to acquire your collection debt and opened an account to pay my taxes. Unfortunately, i have filed enough taxes that i paid the debt that your company is acquiring by the Illinois department of revenue taking my state taxes. In this case " consult with your client. '' This debt is paid and isnt in collection. Anyways, on contrary, you can also contact your client to get a cheaper settlement. Contact your client to assure that the bill isnt paid or you seem like a scammer. This bill is paid then why are you trying to collect it twice when the Illinois department of revenue took my taxes?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter stating that I owed a debt and they sent me a copy of a request for garnishment. This debt does not exist. I informed them some time ago that this account is not a real debt. The letters stop coming for years until I received the garnishment request.
Product: Money transfer, virtual currency, or money service

A card was issued to a false name using my address. I called NETSPEND got an agent and was told they could do nothing about the issue. I have lived at my current address for 25 years and XXXX XXXX ( name on card ) does not live here and never has. NETSPEND claimed they buy their lists for outside parties. Our family had a cyber breach recently. Concerned some advanced scam is in process.
Product: Debt collection

This company calls every day, they dont say the name correctly, wont give any other info, but say they " will do what they have to '' and say it as a scare tactic. I believe this company is trying to scam people. 
In XX/XX/XXXX alone they have called 14 times and today is XX/XX/XXXX. 
They have called XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX dead silence, XXXX at XXXX told them to stop calling & XXXX I did not answer, XXXX, XXXX at XXXX & XXXX, XXXX, XXXX XXXX & XXXX. 
In XX/XX/XXXX, calls everyday as well and in XXXX I advised them to stop calling earlier in the month. They continued to call throughout XXXX, but I did not answer.
Product: Credit reporting or other personal consumer reports

I was a military duty and came back home to my identity being stolen. I checked my credit report and a car was purchased and a total of 9 affirm accounts were reporting on my credit report. I have never had affirm before. I have never applied for affirm. I have been trying to dispute with the credit bureaus however XXXX is the only account thats keeps coming back verified. I am trying to see how are they verifiying these accounts and they are not mines. I emailed affirm through their website requesting this information and received a response that I had to call. I contacted them and after being on the phone with a rep for over 30 minutes she finally was able to find a account with my name and ssn attached too it XXXX, she was not a able to speak to be about this account because she stated that none of the info verify to me ( address, email, phone phone number ) only my name, dob , and ssn. She then provided me with a collections number ( XXXX XXXX ) and I contacted them but they was able to assist due to the info not matching!! And he informed me to dispute through the credit bureaus and I infomed him that I have. He said that there is nothing he can do. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX and email XXXX, Ive had this same info for over 10 years. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Product: Credit card

I received a new Lowe 's credit card in the mail. When I received my first statement with the new card, it included a {$1.00} fee for a paper statement. 
I called the number on the statement XX/XX/year> and requested that they remove the fee and move me to a paperless invoice. They agreed to do it. 
My complaint is that they sent these new cards to everyone, added this fee and did not make it clear that one could opt out of continuing to receive paper ballots, rather than pay this fee. I caught it, but how many others did not?

I prefer not to receive paperless invoices because : 1 ) I receive too many emails and fear I won't see the invoice and will accrue additional fees and interest 2 ) I will be inundated with unwanted advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute inaccurate information on my credit file with Experian for almost a year. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the inaccurate information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. After several failed attempts to dispute the issues on my report I had to make several phone calls. Each time I spoke with an Experian reprehensive I asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Experian 's total disregard for federal law has taken a toll on my life regarding my finical well being and access to improve my credit worthiness.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by XXXX ( b ) XXXX required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Checking or savings account

I have had XXXX credits credit to this closed account and did not realize it until a few months ago. The bank need to check their legers to see where my money is. They have sent my account for collection and never paid it with the credits owed.
Product: Debt collection

I've been receiving constant calls from National Busness Factors from a woman named XXXX from XXXX to XX/XX/2019. I was making $ XXXX/mo payments on medical bills that she said totaled {$1200.00}. I asked to be sent a listing of them and she said she couldn't provide paperwork. When she couldn't reach me by phone, she would immediately called my husband at work. I asked multiple times that she NOT call my husband, but not only did she continue, she called him and threatened that even though the medical bills were mine, they could garnish his paycheck. She also told my husband she couldn't provide paperwork. She told my husband today (XX/XX/2019 ) that the bills totalled {$2700.00}. All I want is proof that the bills they have on my account are actually my bills, and what bills my payments have gone to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, and Experian continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. Straight XXXX. Please see attached proof I had XXXX XXXX, XXXX XXXX, and Experian has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX, XXXX. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..
Product: Credit reporting, credit repair services, or other personal consumer reports

The Two Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Futher more in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Subsection A-D I ask that you provide actual proof the information was verified, not a computer-generated confirmation and not just a letter stating it was verified. This has been ongoing and nothing has changed please delete this ASAP
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Fraudulent Accounts Identity Theft To Whom It May Concern, I am writing to dispute fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : XXXX. XXXX. XXXX. XXXX. 
XXXX. 
I did have your 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 not open these accounts , and I have already filed a police report regarding this identity theft, which I enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures. 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Eastepoint Recovery Group , Inc. from XXXX, NY have been repeatedly calling me and leaving voicemails at work when Im unable to answer. Theyve called about twice a week for the last 5 weeks or so.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXX have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.
Product: Mortgage

XXXX XXXX XXXX and Bayview Loan Servicing is attempting to foreclose on my home with a fraudulent assignment transfer. Section 201 of the pooling and servings agreement states that all assignments and transfers had to be conveyed before the cut off date of the trust filed with the United States Securities Exchange. I contacted Bayview loan, I stressed my concerns and disputes they stopped the foreclosure sale, and told me that they would be sending a workout package, and I have not received. We made a phone to the case manager, but my calls have not been returned. I filed an affidavit of Fraud by an Expert XXXX XXXX XXXX in XXXX Superior Court XX/XX/XXXX on this fraudulent assignment that being used to conduct this foreclosure. I also revoked the power of attorney that i signed XX/XX/XXXX. I removed XXXX XXXX XXXX XXXX from having the right to signs attorney in fact for me, and everything is recorded in XXXX Co Superior Court. 
Bayview as not responded to my debt validation letter, proof claim, or my QWR This was a loan that was apart of the GLOBAL WIDE SETTLEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not follow through with their policy. I have inquiries that I am not familiar with and they refuse to follow through with my dispute I have followed all of the steps that TransUnion had forced me to do and they still will not assist me in getting my identity back
Product: Bank account or service

To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.
Product: Debt collection

On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. 
I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. 
I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. 
I will not tolerate this and I will fight this with all I have!! 
I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. 

I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. 
I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. 
The date that is appeared of the alert is XX/XX/XXXX. 
The amount is {$3100.00}. 
The name is Caine and Weiner. 

I thank you in advance for all your help and quick response. 

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

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX