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

I have made several attempts to address issues with Equifax but have not gotten anywhere near resolving my issues. I recently contacted them on XX/XX/21 and was waiting for about an hour to speak with a supervisor because the associate was not actively listening to my request and was also very combative with me about what I needed to be done. 

First I have never used a suffix with my name. I have never been known as a Jr. nor do I have any documentation that would indicate so as well as applied for any line of credit with Jr. I have disputed that directly but for whatever they refuse to remove the item and continue to try to verify me as such which is unacceptable. 

Second there is an account for US Dept of ED for a student loan which was in dispute and Ive never submitted a dispute regarding them. The most recent dispute shouldve been on the XXXX accounts so they incorrectly disputed the wrong account and also added comments that it was in dispute which I wanted them to be removed. There is two accounts for XXXX XXXX XX/XX/XXXX that the comments show as disputed but I havent disputed anything about those accounts in over a year and still the comments remain and havent been removed by Equifax. It is increasingly becoming difficult with them to resolve and they have made it extremely difficult to get in contact with anyone. I have always had issues with Equifax in the past about the information they report and the difficulty with correcting to the point that I have also submitted a complaint to the attorney general office and will consider legal action if necessary
Product: Credit reporting or other personal consumer reports

Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.
Product: Credit card or prepaid card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

We Closed on a {$260000.00} XXXX XXXX on XX/XX/2016 with XXXX XXXX, due to an enticement of $ XXXX XXXX credit at closing ( see attached closing document ) which I was told would fund my property tax & insurance escrow & payments , among other items. I was told by the mortgage broker, XXXX XXXX, that I had to have an escrow to receive the full funding and I could cancel the escrow in the future because my loan to value was only 30 % - 40 %. I would NOT have accepted the mortgage without that proviso. This is supported by verbiage in the closing documents ( attached ) which states, a ) " For now, you will have an escrow account ... '', and on the same page, b ) " In the future, you may be able to cancel your escrow account, but if you do, you must pay your property costs directly. '' I am prepared to do this, as I have had many different homes & mortgages for XXXX years and have always paid my own taxes & insurance. 
In XX/XX/XXXX XXXX merged with HomePoint Financial, who now services the mortgage, and is now requiring a significant increase in my payments to cover their required " cushion ''. 
Upon receipt of this significant increase notification, I called to cancel the escrow & was told by a customer representative I could not, as this was a HomePoint Financial requirement. I explained those were not the terms of my mortgage and that didn't matter. I spoke to a HomePoint manager in XXXX, TX, XXXX XXXX, who reiterated the HomePoint policy of required escrows. 
In addition to being in breach of the contract we signed with XXXX, which contract survives their merger, I believe that this is merely a mechanism to slowly regain the funds given to me at the original closing by retaining thousands of " excess '' dollars of my money in their reserves earning interest & gains for them versus in my accounts. Im sure they take this unlawful and unethical approach with as many customers as will let them. With as low of a Loan-To-Value ratio as ours is, 30 % - 40 %, they have zero risk of losing money due to non-payment of taxes or insurance.
Product: Debt collection

The company Affrim have called me on several different occasions, which is 4-5 calls per day. I have already paid them the money I owe, and they continue to call me and harass me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked them to stop calling but the calls continue
Product: Credit reporting

It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of closed accounts below has violated my federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

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

Loan Depot has mismanaged my Escrow account since it began servicing my loan 4 years ago. Multiple times per year they over draft the account only to then change our payments without notice. This has happened 5 times and each occurrence takes weeks of sitting on hold and dealing with numerous people to resolve. In each case the mortgage company has been wrong and yet like clockwork in 4-6 months I'll be having the same conversation with the same issues. Most recently they over drafted my escrow account by paying property taxes I'm exempt from and are trying to change my payment by over {$800.00} to account for it. I opened a customer service a month before they changed the payment because I saw the mistake on my statement yet they provided no resolution and changed our payment regardless. Multiple calls to management have been un-returned and anyone I have spoken to there is rude, unhelpful, and blames me the customer. Its abusive and down right incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, my information has been compromise in equifax data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.
Product: Vehicle loan or lease

The repo man can and got my car he moved my car dolly and XXXX ski but he did damage to my car dolly. And now they are at thier lot with a service truck disabling and making a key to my car. I have video where he was moving my car dolly. He also threatened me say it's his car and he is going to get it from the the company and I will never get the car back. I made a report on the damages on the dolly. And looks like behind the fence he damaged my bumper on my car
Product: Credit reporting or other personal consumer reports

I have filed an identity report with the government to have these accounts in question investigated & I would like these removed they are affecting my credit. I have been told these accounts were verified ( which is false because they are not mine ) and did not provide any proof they were mine. My rights have been violated, and before I take legal action I demand these accounts be removed. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Product: Credit card or prepaid card

I was recently approved for a Chase Sapphire Preferred credit card with a credit limit of {$5000.00}. And my account was closed by Chase for absolutley NO reason. I have done absolutely nothing wrong at all. I have not opened up various new accounts recently, have a string of new inquiries and have never missed a payment on ANY account ever. I have submitted a copy of my birth certificate and Social security card to chase for verification of my identity, so I have done nothing at all to arise suspicion of fraud or not being who I claim to be. 

I would like to humbly ask for Chase to reinstate my account.
Product: Credit reporting or other personal consumer reports

The inaccurate information on my credit report has had a significant and unfair impact on my financial standing. This error has affected my ability to access opportunities that rely on an accurate credit history. I have always taken my financial responsibilities seriously, and it is frustrating to see my efforts undermined by incorrect reporting.
Product: Debt collection

There is an account in my credit account that is not mine it is someone elses and they refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.
Product: Student loan

Mohela is inappropriate handling my account which now I am getting letters my account is past due and being reported to the credit agency as late
Product: Bank account or service

Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.
Product: Credit reporting

This company XXXX just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.
Product: Debt collection

This debt doesn't belong to me. I have no knowledge of this debt collection whatsoever.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America gave me a 30 day credit of XXXX to expire on XX/XX/XXXX, for bank acct. ending in XXXX. I had a stimulus deposit made on XX/XX/XXXX. When that deposit was made I transferred XXXX to account ending in XXXX, which was a new acct. I left XXXX in the acct. that the credit was given to. I called and asked them to take the XXXX out of those monies, but was told that there was no need to pay the XXXX until the credit expires on XX/XX/XXXX, I said okay. After talking to them I begin to transfer money from acct XXXX to acct XXXX to have access to a debit card because my new card for the acct XXXX had not came in the mail yet. As I needed to make purchases I would transfer that amount over to acct XXXX and complete my transactions. On XX/XX/XXXX, Bank of America begin taking money from the acct. XXXX saying I was in the negative when in actuality I wasnt because they gave me a credit to offset the XXXX due to expire on XX/XX/XXXX. There was two separate charges back to back. One in the amount of XXXX and another for XXXX. The explanation was that it was to offset my negative balance of XXXX, in which I had been given credit for. Ive been fighting with them since XX/XX/XXXX concerning this matter and theyre telling me they have the right without my permission to do what they will with my account. I explained to them that Im just coming out of XXXX XXXX and was depending on that money to pay bills. Im off from work. They still remain to take their stance that they can do what they will. My question is why have me set boundaries and limits on my accounts if you are not going to abide by those set in place. I dont have acct to acct overdraft protection. I did authorize money to be transferred from one acct to another. Can you please help get this resolved?
Product: Debt collection

Southeast Toyota finance company has charged this debt off. They have repeatedly increased the balanced. They continue to harass me with threatening phone calls after Ive told them to stop calling me.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXX - Account XXXX XXXX - XXXX [ XXXX XXXX XXXX XXXX - Account XXXX XXXX ... ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XXXX of XXXX I disputed two bankruptcy # XXXX and XXXX that was showing on my credit with all three credit bureaus. they claimed that they investigate the Items and they was verified by XXXX as accurate. 
In XXXX of XXXX I dispute the items with XXXX and they investigate the items and remove them form my credit report. 
on XX/XX/XXXX I disputed the said items and received a dispute report dated XX/XX/XXXX from Transunion report # XXXX stating that the disputed item was verified. I call Transunion and ask to know the method of verification and they stated that I'm not entitled to that information. I ask to speak to an supervisor who basically told me the same thing. after about forty five minutes on the phone call, the supervisor said that they will verified the items with the furnisher. I then asked who is the furnisher, and she said the court. back in XXXX of XXXX I received a letter from the court stating that the court do not furnished any information to any third party reporting bureaus. 
the representative told me that they will investigate the items again if I would like to dispute the item again. I told her that I would like to dispute the items on the XXXX of XX/XX/XXXX, Today, I received a letter dispute result in the mail form Transunion dated XX/XX/XXXX report # XXXX. They did not investigate my dispute they just resend me the same report the very day I dispute the items. 
Transunion violating my rights 603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the above mentioned account is prohibited by law to publish on any credit reporting agency.
Product: Credit reporting

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we are again, Equifax is steady stalling instead of fixing MY problem! This is completely ridiculous and incompetent of them. I have already provided the ACCOUNTS that are ID theft in my complaint but yet they are STILL asking me to list the accounts that need to be investigated. Are you serious?? YOU all are asking for legal action to take place. REF the previous complaint for when they asked me once again for the accounts that I am referring to XXXX. 

I will attach my ID theft report one last time. You all need to do your job as a consumer reporting agency. You have failed to uphold your grave responsibility as required by the FCRA to ensure the maximum accuracy of my information as the consumer and do what is fair and equitable to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX from 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have 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