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

You continue to report account XXXX XXXX after the credit reporting time limit has been reached. Not only is the company reporting inaccurate and inconsistent information, the reporting limit has been reach therefore this account must be deleted IMMEDIATELY!
Product: Debt collection

I have been contacting this company for over a year to confirm the debt. The company has refused to provide any type of debt validation. They have also lied in reference to what the debt was for, as they stated it was for an eviction but Ive never been evicted. I have also disputed this with the credit bureaus with no success or validation being provided. After placing a cease and desist on my account I still received calls from this company. They refuse to escalate my request and are very abrasive. The debt is for {$2400.00} and I have no clue where this amount is coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent out 2 transfers the first for {$1.00} then the second for {$99.00} both transactions were completed and received by the correct recipient. 

On XX/XX/XXXX I sent {$300.00} to the same recipient from my chase app using XXXX. This transfer was also completed however the money was never received by the recipient. I then filed a claim with Chase and was issued a temporary credit while the conducted an investigation. 

On XX/XX/XXXX they completed their investigation and issued a claim reversal deducting the {$300.00} they credited me. I then called Chase and spoke to their claims rep, I was told that the claim was denied because the funds were received. I told the rep that I have the recipients bank statements showing the 2 transfers that were received but not the {$300.00} transfer. This rep suggested that I send over an proof that I could provide via FAX or have someone at a local branch submit it. I went down to the local branch spoke to a banker and had her fax the documents. A week went by with no action being taken by chase, so I called back to follow up. I was then told that it was still being denied but they couldn't give me a reason for the continued denial. I asked to speak with a supervisor and was told that someone would give me a call in 1-2 days. 3 days had passed so I called them back. The person I spoke with was not a supervisor but explained to me that the person who received the transfer was XXXX XXXX to which I told them was not the correct recipient and requested they do a chargeback which they refused. 

As of today, I still have not received a refund on this transaction and have been told by the bank that there is nothing they can do about it. 

I'm attaching a copy of my bank statement, the recipients bank statement and a printout of the XXXX  activity list showing the recipients contact info. I highlighted the transactions in question on both bank statements.
Product: Checking or savings account

Over the last XXXX months, I've tried to resolve a fraud issue. As a result of fraud, we had XXXX fraudulent checks cashed, in addition to Citibank mistakenly applying XXXX debits to my account for checks that got deposited. I have made over XXXX dozen calls and branch visits and have opened up XXXX different cases to resolve this, but they try to take care of the problem in the wrong way ( applying a credit that wasn't needed ) or they go ahead and close the case without proper resolution. I have since received credit for the XXXX fraud checks, but I can't get resolution on the the error that the bank did in applying the XXXX debits.
Product: Mortgage

On XX/XX/2021 my realtor told me to inquire to a home buying agency that helps find a mortgage that is best for me. She said they would only run 1 hard credit pull for an unlimited amount of inquires within 30 days. Now I have 91 separate hard inquiries and my credit score decreased by nearly 200 points. I never agreed to this.
Product: Bank account or service

I was talked into opening a bank account af after declining several times. The rep stated that if I opened a checking account I would receive a safe deposit box for as long as I had my checking account. I received a notice several days ago that next month I would need to pay for the box. 
They never said why, they just sent me a bill. I went into the branch and closed my account because it was unfair to do this. Bof A just decided all of sudden to discontinue the benefit and then charged me for the safe deposit box. I feel that this is unfair practices and they should be held accountable. If I received this, I should have been told that BofA could cancel it at any time. How do they have the authority to take things away from people and change things at a moments notice. If there is anything that can be done or any other agency that I can file a complaint with, please let me know. 
I feel this is very unfair to those who received this promotion. It is quite disturbing how the reps pressure the customer and tell them anything to get them to sign up, then once the customer has signed up to fulfill the purpose of BofA or satisfy their needs then it is taken away or they change the rules again when BofA want to benefit from the customer again. This is unfair.
Product: Credit reporting or other personal consumer reports

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. 

That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries that shouldn't be on my report and a few negative items that are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I kindly request you to provide me with my credit reports in respect to myself XXXX XXXX XXXX. It is essential for me as a consumer. If any to review the current credit status of his/her profile. As per legal requirements, please respond within 14 business days from receiving this letter. For security reasons and preventing unauthorized access or theft of sensitive information, I request you to validate my identity before providing the requested details. Therefore, kindly coordinate with me further once received and processed this request through an alternative secured channel such as email or telephone call wherein proper identification procedures shall be executed accordingly. Our contact details are as follows : XXXX. If willing or email XXXX. I assure that all these data will strictly be utilized by me alone for legitimate purposes and confidentiality would be maintained at all costs during every exchange procedure made throughout my endeavor. 


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

I ordered some merchandise from XXXX and paid for it. months later I have on my credit report 60 days late for credit that i did not apply for. When I called XXXX to handle the matter ; they said that they sent me a necklace that I did not pay for. I then paid for it. but it is listed on my credit report that I applied for credit for XXXX and for XXXX and is late 60 days. 
I filed a dispute with XXXX with no results. If they had investigated this matter they would no that I never had a credit account with this company for that amount. 
This credit reporting error brought my credit score down XXXX points.
Product: Debt collection

I owe a debt to a dentist that has been sent to a collection agency. I spoke with them a few months ago and told them I can pay on the XXXX of the month for {$10.00} a month. My husband was currently getting paid each month on that date. In XXXX I did not have funds in my account and the card declined. On XX/XX/2022 the payment came out of my account. I did not authorize the payment to come out on XX/XX/2022. When I contact them the gentleman refused to give me his name and told me that was to bad and I still owed it. I told him I did not authorize it to come out on the XXXX of the month and he told me he did not care. I asked to speak with someone above him and he hung up on me. I called back and he answered again and continued refusing to send me to someone else. Finally he send to me a voice mail. A lady called me back and was yelling at me that I owed and and when I tried to tell her that I did not authorize it she continued to yell at me. I advised her that I do not authorize any more money out of my account and for them to cease contact with me immediately. They had me so upset the way they spoke with me. My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management , INC. has misrepresented the facts to a court of law in the State of Indiana, attempting to collect a debt that is not owed to them through fraud, misrepresentation, and deception. Midland Credit Management , INC. filed a complaint on XXXX XXXX, XXXX  in XXXX XXXX XXXX XXXX Case No : XXXX and are having the court to garnish my wages unlawfully. This is an urgent matter that requires and injunction filed with XXXX XXXX XXXX, further investigation, and an appropriate remedy. 
This is the second time Midland Credit Management has filed a complaint, misrepresenting the facts to a court of law in the State of Indiana, attempting to collect a debit that is not owed to them through fraud, misrepresentation, and deception. The first complaint Midland Credit Management , INC. filed against me was on XX/XX/XXXX in XXXX XXXX XXXX XXXX. The judge dismissed the case because XXXX XXXX could show no evidence to demonstrate the cause of action.
Product: Debt collection

Im a XXXX year old XXXX veteran which happens to check my credit report every so often and has noticed things that doesnt belong to me. I do NOT owe Diversified Consultants.  The account was opened XX/XX/2018. This doesnt belong to me. 

Please remove from all credit bureaus.
Product: Credit card

I have an account with synchrony bank for my XXXX account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.
Product: Mortgage

On XX/XX/2018 I contacted Wells Fargo to make full payment to bring my account current. I have been away on family leave from XXXX to assist my mother who has failing health in Missouri. I'm behind 4 payments. I told them I was wishing to bring the account current. I was told they would not accept any payments from me because my house was in foreclosure. I have not received any notices what so ever. I went to county recorders office and found no notice of default. I'm really disturbed that Wells Fargo would not choose to work with me during this difficult time. I was told one week ago that they would email me a re-instatement statement with attorneys fees. As of today I have received nothing from Wells Fargo. The last person I spoke with I was told her name was XXXX XXXX at XXXX ext.XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a debt it does not ( or should not ) own. I received two parking citations from the D.C. government in XX/XX/2017. Within the requisite time period, I filed a written request for adjudication with the D.C. Government and I received acknowledgment of my challenges to the citations. ( See attached emails from XXXX  XXXX ). The D.C. government informed me that enforcement activity would be suspended and an examiner would  review my challenges. I never received any further communication from the D.C. Government regarding my adjudication request, nor any notice that my tickets were referred for collection ( which is required by DC DMV policy ). 

On or about XX/XX/XXXX, I received initial collection letters from XXXX XXXX XXXX for the two citations ( see attached ). Those letters stated that I could dispute the validity of the debt within 30 days, and I did so in a letter dated XX/XX/XXXX ( see attached ). The letter further stated that upon receive of a dispute, XXXX XXXX XXXX  would verify the debt and provide me a copy of the verification. I did not receive a response to my letter or any verification of the debt. Instead, I received a second collection letter that made no reference to my prior letter. As I explained in my XX/XX/XXXX letter, my tickets were never adjudicated by the D.C. government and therefore the debt is not valid. Collection efforts should be suspended until XXXX XXXX XXXX provides me verification of the debt ( which I believe does not exist because D.C. never resolved my challenges ).
Product: Debt collection

I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. 
They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. 
Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. 
Im very confused by the whole situation. Especially no one could give a NMLS ID.

Also, told me they only take ACH payments via credit or debit but only master or visa.

I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. 
Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by 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 ... I don't ever recall paying any of these accounts late/after the due date. On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of Equifax with regards to these accounts. I provided them proof of the inaccurate credit reporting. Equifax did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote Equifax directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that Equifax received the dispute. A copy of this complaint as well as past CFPB complaints on Equifax is going to the FTC, Georgia Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 60 days past due on the XXXX XXXX partial account numbers XXXX and XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Vehicle loan or lease

XX/XX/XXXX Mountain America Credit Union XXXX XXXX XXXX purchased for {$10000.00} I found out my XXXX XXXX XXXX XXXX I financed with MACU is a salvage vehicle after getting it serviced at a XXXX Dealership. They ran the vin number and it came back in their system as salvage dated XX/XX/XXXX. MACU did not correctly research to find this information and financed my auto loan for retail value. 

I was also told by the MACU Loan Representative XXXX XXXX to get approved for the auto loan I had to take out a personal consolidation loan for my credit card debts. That personal signature loan was {$3800.00} and {$120.00} per month with life insurance added. Which I found out that was not true he just wanted to make more sales from me since I had very low debts during that time. 

I also financed a XXXX XXXX XXXX XXXX with MACU on XX/XX/XXXX for {$16000.00}. I traded in this vehicle for a XXXX XXXX XXXX on XX/XX/XXXX. The value depreciated by half of what I paid for it which is not correct because they overvalued the vehicle from the beginning of the loan. I was offered {$7000.00} and {$6500.00} negative equity was rolled into my new car loan. 

Both of these vehicles where purchased at XXXX XXXX XXXX in XXXX, Arizona.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to EXPERIAN 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Product: Credit card or prepaid card

In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank XXXX XXXX The account was Settled in Full for {$2600.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection XXXX for Capital One Bank XXXX and deposited my {$2600.00} check from the Title Company XXXX XXXX as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " XXXX XXXX '' with a balance of {$140.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " XXXX '' status, and it is still showing an account balance of {$140.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " XXXX XXXX XXXX, '' my credit score has dropped each month it has remained falsely reported.