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

So I have been in the process of obtaining a mortgage to purchase the home I currently live in at XXXX XXXX XXXX. For 3 weeks now now my mortgage broker has been unable to pull a credit score for me from Equifax ( despite having credit established for several years ). Calling Equifax and as told by my mortgage broker I likely had some incorrect personal information in my Equifax report, in order to clear that up I was told by Equifax to submit by facsimile a copy of my current drivers license and social security card. On XXXX XXXX I submitted the requested documents ( copy of ID and social security ) by fax, on XX/XX/XXXX I followed up on my submissions and called to confirm that has been received. I was told they were under heavy load and that documents could take up to a week to process, but could not be told if they were indeed received so I resubmitted the documents by fax on this date as well. I followed up again a week later on XX/XX/XXXX ( now almost 2 weeks from the first submission of these documents ). I was told the same thing and suggested that I mail in the documents ( not sure why that should be necessary or the corrective process be constrained to something so slow, especially when faxing was an option stated by Equifax representative for resolution ). On Sunday XX/XX/XXXXI faxed the documents again, hoping they would be less buried in submissions if sent on an off day. Following up today on XX/XX/XXXX I was told something worrying, that they could not pull a file on me and that perhaps my lending institutions had not submitted their reports to Equifax ( the other bureaus have my score, and no problems with access to my file ). Calling one of my lending institutions ( XXXX XXXX ) I was assured that these reports are submitted monthly. This information also worries me because I may not be able to request a credit report that does not exist this is costing me a great deal of time, and I would also like some advice, should I submit to Equifax the requested documents by mail? And should I initiate a request for me free credit report by mail from them? May that accelerate resolution of this issue? Equifax Customer support line is basically a brick wall, and there is no way to escalate the issue resolution to a level where a solution can take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.
Product: Debt collection

This started around a year ago if not a little more. Calls came in from spam likely and the representatives refused to identify themselves just that they were collecting a debt. I've referred to how they've attempted to collect this as mafia-esque tactics due to how ridiculous it's gotten. 

After telling them to get bent because they refused to identify themselves I didn't hear from them until very recently when I got a letter stating that a default judgment has been made in a case against me. They state that because a roommate ( whom I have no relations to at all and additionally was in the process of trying to settle legal action against ) accepted a document and then proceeded to never tell me about or give it to me that I have been served. 

When presenting the very obvious argument that when it comes to taxes a " household '' defines the FAMILY that lives with you, I do not file taxes and include my roommates as my " household '' so they should not be able to accept legal documents in my behalf. The wording of the law regarding serving paperwork is very clearly intended to state that it can't be handed to someone's XXXX XXXX XXXX child. It has to be an adult who is part of the household and therefore a reliable party to deliver the paperwork to. A random roommate does not fit that criteria. 

Since then I've been in continued contact with their lawyers who repeatedly tell me everything is just my opinion and they're following the rules to a T ( allegedly ) so there's nothing I can do unless I want to find a lawyer and navigate through the legal system to push back. 

The lawyer then eventually decided to stop emailing me despite my stating I wanted to keep communication digital following his refusal to pull up a previously recorded phone call. He claims that he remembers exactly what was said so there's no need to. In the same conversation he stated that he has a lot of conversations and can not remember every detail of every conversation which was what prompted the request for a call review to begin with. 

They've refused to escalate my case, and just continue to make it seem like they'll ruin my life over a couple of XXXX dollars. 

From the beginning I've maintained that I'm perfectly willing to make a payment offer, but I want to validate they own the debt and get a clear amount of what's owed as they state they have multiple accounts and the 240 page document nowhere seemed to state clearly " this is the amount you owe us ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b 1. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$9900.00} US DEPT ED XXXX Balance : {$6500.00} US DEPT ED XXXX Balance : {$6500.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX Balance : {$5400.00} US DEPT ED XXXX Balance XXXX {$3200.00} US DEPT ED XXXX Balance : {$1400.00}
Product: Bank account or service

I was a victim of fraud involving my Bank of America debit card. I immediately reported this to the bank on XXXX/XXXX/2017. Someone used my debit card numbers to purchase {$85.00} at a XXXX. I filed a police report the same day as I advised the bank. The bank advised me to call again the next morning, which I did. I got a recording saying the department was closed. I then tried contacting the bank using different phone numbers. I spoke to two more people who refused to do anything about the claim-including filing it. Today I went in person to the bank and spoke to a XXXX. This guy was rude, unhelpful, argumentative and told me to " sit and wait a week, then call the bank, then they 'll do something about it. '' This makes five attempts at filing this fraudulent charge and resolving the issue so that I can use my account. The transaction has been sitting now hung up as a " processing '' transaction for five days. Not only can I still not use the account, there 's no record of the fraud claim, and I have no useable debit card. The bank 's negligence is affecting me personally as I live alone and have only XXXX useable checking account, it allows the criminals to do this to others over and over and over again. XXXX flat out said " We will not look at video or question anyone, it 's just {$85.00}. ''
Product: Money transfer, virtual currency, or money service

I checked into the XXXX XXXX XXXX XXXX, NV on XX/XX/XXXX and they took a {$400.00} deposit. On XX/XX/XXXX they settled for {$350.00} and now it's XX/XX/XXXX and Venmo Debit Card is lying saying that the transaction isn't complete even when they see that the XXXX XXXX captured the lower amount and won't make the remaining funds available for use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX ATTN : XXXX, XXXX, EXPERIAN Accounts : Account name : XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to XXXX XXXX XXXX XXXX ( a ) you have 4 days from the date of this notice ( XX/XX/XXXX ) to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Product: Debt collection

I received 30+ calls from an automatic system from ERC this week. I spoke with XXXX XXXX and she attempted to collect 3 debts at the same time, and she gave me information about those accounts without verifying my identity before providing that information. 
Following account information was provided to me by XXXX XXXX : XXXX XXXX ( Ref : XXXX ) with a balance of {$2000.00} and with last 4 of social XXXX in that account. 
XXXX ( Account # XXXX Ref : XXXX ) with {$450.00} and last 4 of social in that account XXXX. 
XXXX XXXX XXXX with last 4 of social XXXX. 
After sharing with XXXX my intention of filing this complaint, I got transferred to XXXX at the office of the president, XXXX started asking for information without notifying me of her attempts to use all the information obtained to collect a debt. 
I explained XXXX that I been harrassed getting several call repetitive and in an inappropriate way. XXXX offered to to place the accounts in Fraud status but I inquired why I should place an account that doesn't have my social security but XXXX refused to answer my question. At the end she started that those are my account without verifying the validity of those account and not having present that the social and address on those account doesn't match with my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX, Experian and XXXX have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted
Product: Checking or savings account

On Tuesday, XX/XX/XXXX I received a disconnection notice from my credit monitoring system. I attempted to fix the issue and could not resolve. I called Bank of America and they stated they were closing my account. The refused to give any reasoning. I have now called everyday since then and have received no answers as to why the closed my account. This was a business account used to pay bills and payroll. They then took my funds and have placed them on hold. They stated they will not release the funds till full closure on XX/XX/XXXX. All of my business funds were in this account and now I can no longer access them. Nothing was wrong with the account and I have been a loyal customer for 6 years. I need my funds back.
Product: Credit card or prepaid card

Sometime in 2021, my Chase credit card account was merged with that of my father without my or his permission ( I am XXXX XXXX XXXX ). As a result, I could no longer access my account online, which made using the card a problem. As such, I cancelled the card in the summer of 2021. My father cancelled his Chase cards shortly thereafter. 

In XXXX of 2021 I received notification from my father that Chase had emailed him regarding a Chase card that did not match any of his credit cards. As it turns out, this was my card. Around the same time I started receiving phone calls from collection agencies regarding the card. 

I attempted to contact Chase multiple times, and each time was told some version of " you need to speak with an account supervisor. '' However, every time I was transferred to a supervisor, the call was disconnected. This happened on multiple occasions over multiple days. 

When I finally reached Chase, it became apparent that there were several fraudulent charges on the card that Chase said they would investigate. There was also a recurring charge that had been applied to the card despite it having been cancelled. Chase claimed to have no record of the card being cancelled. 

I agreed to wait until the fraud investigation had been completed before paying the balance on the card. At this time I went over my contact information ( including mailing address, email address and phone number ) with Chase and repeatedly informed them that my father had nothing to do with this account. They assured me that I would be contacted. 

In XXXX of this year, my father received an email confirming that the investigation was complete and stating our new balance on the card. Thankfully, he forwarded that to me. I spoke to representatives from Chase who assured me that they would mail me our current credit card statement so that we could pay the balance. We do not have access to the online account as it has been closed and was merged with my fathers account in 2021. 

This week my father received another email stating that the card was past due, which included additional late fees. We have received no communication from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XXXX 2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XX/XX/2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction
Product: Money transfer, virtual currency, or money service

I attempted to send money through Zelle to a friend. The funds were debited from my account, but the recipient never received them. I contacted my bank and Zelle, but the issue remains unresolved. I am seeking assistance to recover the funds.
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiries on my credit report, XXXXXX/XX/XXXXXX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXXXX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX, please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against Equifax regarding the inaccurate and improper reporting of a late payment on my credit profile for an account with XXXX XXXX XXXX ( Account Number : XXXX ). I am requesting that this late payment be immediately deleted or corrected to reflect " Paid As Agreed, Never Late '' due to the following violations : Failure to Provide Required Notice Under the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify a consumer before reporting negative information to a credit bureau XXXX I never received any written notice from XXXX XXXX XXXX before or after they reported the late payment in XX/XX/year>, making this reporting unlawful and subject to deletion. 
Inaccurate XXXX XXXX XXXX My payment history does not accurately reflect my account standing, and Equifax has failed to properly verify the accuracy of the reported late payment. 
Failure to Ensure Accuracy Under the FCRA Equifax, as a credit reporting agency, is responsible for maintaining accurate and verifiable credit records. The late payment reporting on this account is inaccurate, unverified, and does not comply with FCRA requirements. 
Consumer Rights Violation Due to the lack of notice and improper reporting, this account should either be corrected to " Paid As Agreed, Never Late '' or completely deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in XXXX XXXXXXXX XXXX   response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

XXXX  XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, XXXX XXXX 's reluctance to correct a XXXX problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see XXXX XXXX reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? XXXX XXXX is manipulating a XXXX problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the XXXX XXXX automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by XXXX XXXX. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Product: Mortgage

In XXXX an overpayment was made to my escrow account with Loancare in excess of {$2000.00}. A check was mailed out as reimbursement, however I did not receive that check and was only made aware of it when I was notified by Loancare that we had not cashed the check. The noticed indicated that I should contact a XXXX XXXX to have the check reissued, however I have never been able to get in touch with her. My mortgage was then sold to XXXX XXXX in XXXX, making it even more difficult for me to contact anyone regarding the overpayment of my escrow with Loancare. 

This battle has been going on for years. I contact customer service, customer service tells me to email customersupport@myloancare.com with the subject of Attn XXXX XXXX, I get assigned a ticket number, and all communication stops. Over and over and over again. 

The most recent communication I have from them dates back to XX/XX/XXXX when I initiated another claim. I was assigned a ticket number on XX/XX/XXXX with a promise someone would be reaching out shortly. In XX/XX/XXXX I reached out again stating that I had not been contacted regarding the referenced ticket number. I received a response on XX/XX/XXXX stating they were looking into the matter and have heard nothing since. 

Today, XX/XX/XXXX, I reached out to LoanCare again and learned that customersupport@myloancare.com was decommissioned 2 months ago. I waited to speak with a supervisor, however none were available to speak with me. I am now at a loss on what to do to recover my money and need any assistance I can get.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but t I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.hey 're reporting me as late.