23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is conducting false and fake investigation and repeaditly reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with EQUIFAX and properly verify this misinformation immediately. 
2. XXXX is the same. For some reason they are reporting the account as PAST DUE and it has NEVER EVER been late. I would like a full investigation with the HELP of the CFPB in order to validate and verify all information legally. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeaditdly asked them to stop sending me generic and un educated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately as you are ILLEGALLLLLY reporting it! 

I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Equifax. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you XXXX dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has recorded a loan in my name for over {$40000.00}. The first I was aware of this I noticed a change in my credit report. When I inquired with the company by telephone they explained they are a finance company to provide financing to the homeowner through the merchant providing the service or product. 

I informed them I had not made any purchase for home improvement and nor signed any contract for the same. XXXX XXXX said I would have to contact the merchant. As this merchant is in Florida and I live in Arizona and I do not own property in Florida there was no reason for me to contact the merchant. 

Subsequently, XXXX XXXX has filed multiple derogatory information with credit agencies. Seriously affecting my credit score. Their claim is I have made either no payments or the payment is overdue. They have done nothing to correct their error. 

I have filed complaints with Equifax on this matter but this matter remains open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to delete a portion of the data in my credit document ; notwithstanding, there are still a few records that require deleting. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I need these items will be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently opened a new CreditCard with XXXX ( its an XXXX card ) and received a letter from XXXX 's stating that I can get my free credit report within 60 days from Experian. This letter contains a phone number ( XXXX XXXX XXXX ) from where I can get my XXXX free ) credit-report on which this card was based. I tried calling this number and didnt find any option for my case, as a result my call gets terminated and there is no option to talk with an agent. This is so frustrating and completely against Fair Credit Reporting Act that I can not get a copy of my credit report, can you please help with this. 

thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/XXXX  identity theft report ( XXXX REPORT NUMBER:174536276 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX  verified, which XXXX XXXX does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by XXXX  lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong
Product: Credit card

I applied for a Allegiant credit card w Bank of America. Never got a responce from BOA. 
Contacted Allegiant twicwe and finally got respconce from BOA. 
BOA does not give a resaons just general information. 
I want BOA to give me a firm reason for denial. 

Reference Number # XXXX. BOA
Product: Credit card or prepaid card

I have two credit cards with Barclays. Yesterday, my accounts were charged two " XXXX XXXX  Fee '' : one  was {$15.00} and the other one was {$29.00}, which I did not request. I have contacted the company to cancel the transaction or waive the fee, but the company refused it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 ( XXXX EDT ) : Equifax is not accepting credit freeze requests, online or by telephone. Online you get an error message ( System Currently Unavailable ) and you are told the same thing by telephone after working your way through their voicemail tree and entering identifying information ( SSN, ZIP Code, DOB ) using a telephone keypad.
Product: Credit card

On XX/XX/year> my credit card number ending in XXXX was skimmed and unauthorized charges by chat XXXX XXXX was billed repeatedly. the charges totalled hundreds of dollars and were entirely unauthorized. After filing a dispute on all the charges chase rejected half the charges as valid and half the charges as fraud even though they were all a pattern of the exact same transaction. I provided documentation all the transactions were a pattern of fraud by the exact same merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information incorrectly. The account was settled in XXXX but the rep didnt apply it to the right account so it looked like O had a credit on one and debt on the other. I also settled many accounts after my bankruptcy and asked that they be removed. Yet EXPERIAN is keeping them on there as PAID BUT SOLD TO A OUTSIDE AGENCY. Or WAS WRITTEN OFF BUT NOW PAID. Like XXXX XXXX, XXXX, XXXX, These accounts were settled but EXPERIAN IS NOT REMOVING THEM. XXXX XXXX which I proved is reporting inaccuracies. I paid the SECURED DEP but they never applied it. So THATS why the account wasnt open. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on multiple occasions in regards to an error always populating when I try to generate my credit report online. I can no longer get it through annaulfreecreditreport.com and all the credit softwares like XXXX  and XXXX. I keep getting an error message that says to call. I call and the agent says the problem will be escalated yet no one ever reaches out. They keep offering me my credit report in the mail but the issue is the inability for my to access my report digitally. I have the right to be able to access my credit report online at any time so this issue is a direct violation of my rights as a consumer. I want this issue to be resolved ASAP. I need to know why Equifax is blocking access to my own report.
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 XXXX Account number XXXX Account name : XXXXXXXX XXXX XXXX has violated my rights. 


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: Debt collection

I am a former employee of Partners Financial Services in XXXX, MO. 
While employed, I managed the legal accounts, and when I came across accounts where there was a signed Page 2 of the RIC ( which we legally could not go legal on if it was signed ) I was instructed to remove the signed page of the PDF and replace it with a blank page that we had saved. We probably took illegal action on about 30 consumers with this method during the 7 months of my employment. Along with this, the debt collectors were constantly using harassing tones and language with the debtors. I apologize for my part in this, and since I was doing what I was told, I would like to see action taken against the company to assure fair debt collection acts.
Product: Credit reporting

The following accounts and inquiries are a direct result of ID theft yet Equifax refuses to remove the accounts/inquires from my credit within 30 days are required by law : Accounts : XXXX XXXX XXXX and XXXX and XXXX XXXX. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts on my credit report that were fraudulently created following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these entries be removed promptly to prevent further harm. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting to TransUnion that I am financially responsible for a property that I have not owned since XXXX. After many years of calling, emailing, writing and filing disputes with them as well as TransUnion the property is still listed on my credit report. This has negatively impacted my credit score by more than XXXX points as my ex partner, XXXX XXXX XXXX missed four payments back in XXXX. Although he owns the property to this day, XXXX has never reported any late payments by him to the credit bureaus or that he even owns the property. 

At XXXX AM XX/XX/XXXX, I spoke with XXXX representative XXXX XXXX regarding the matter. Again, I have spoken to many people from this organization over the years to have this matter resolved. XXXX has confirmed that although XXXX received all pages of the Quitclaim Deed paperwork back in XXXX relinquishing any and all ownership that they as a company decided that I should still be held financially responsible when he made late payments a year later. Let it be also known that in the 9 years when I did own it, I never made ONE late payment. According to XXXX, this decision was made by supervisor XXXX XXXX, and director XXXX XXXX. She also confirmed the receipt of the TransUnion dispute and that they as a company were upholding their decision.
Product: Credit reporting

TransUnion refuses to delete this XXXX account from my report. 
The account was never in my name, I never applied for it, I never agreed to make payments on it, I never used it for credit or cash in any form, I never made payments on it. 
The account was strictly used for a business that I had no association or dealing with. 
XXXX took me to court last year to collect payment ( see court documents attached ) but had no evidence of my responsibility for the account or its balance due. Without any evidence, the case was dismissed on XXXX XXXX, XXXX, as the court documents show. 
TransUnion has NO documents from XXXX showing my responsibility. 
TransUnion has evidence from me showing NO responsibility for this account ( the admission by XXXX in court records ). I have disputed this with TransUnion 4 times since XXXX XXXX, XXXX with the same result. 
I need your help in deleting this XXXX account from my credit report. 
Thank you.
Product: Checking or savings account

This complaint is about the lack of customer service at WELLS FARGO BANK. 
Wells Fargo Has liars working to serve the customers but they do not have customer service to provide resolution for the customers issues. 
I DO NOT WANT THOSE LIARS and IGNORANT XXXX  TO ANSWER MY COMPLAINT, I WANT A REAL WELLS FARGO MANAGER All I get from those XXXX  are lies. The lies are the only resolution can be provided by the XXXX. 
XXXX XXXX IS THE LAST EMPLOYEE WHO IS WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION AND NOT UNDER ANY MANAGEMENT AND LABELED XXXX  RESPONDED TO MY COMPLAINT BY THIS STATEMENT ( .We have determined we previously addressed your concerns ) they never address my case properly and never provided a solution AND THIS XXXX XXXX NEVER EVEN READ MY COMPLAINT, THEIR ANSWER WAS A COPY AND PASTE STANDARD ANSWER. WAS THE RESPONSE OF XXXX XXXX, A SOLUTION FOR MY ISSUE?. 
I REQUESTED A REAL WELLS FARGO MANAGER TO DEAL WITH MY ISSUE BUT THIS XXXX XXXX STATED IN THE RESPONSE : ( We respectfully decline your request to email you to set up an appointment to talk to you by phone. We do not arrange appointments by email. ) FROM XXXX XXXX STATEMENT I UNDERSTAND THAS WELLS FARGO MANAGERS DO NOT USE EMAILS.WELLS FARGO IS THE ONLY BANK THAT DO NOT USE ELECTRONIC COMMUNICATIONS AND EMAILS. 
XXXX XXXX stated that the XXXX  mailed the letter to my mailing address on file. That was a lie because the letter was mailed to my residence and the attached address on the attached letter proved the lies of the XXXX. 
LIES DO NOT SOLVE THE PROBLEMS. TELL ME HOW YOUR LIES ARE GOING TO SOLVE MY ISSUE YOU CLOSED THE CASES AS SOVED WHEN ALL YOU PROVIDE ARE COPY AND PASTE AND LIES AND THE ISSUE IS NOT SOLVED. I WANT THIS COMPLAINT TO BE FORWARDED TO A REAL WELLS FARGO MANAGER AND NOT TO THE CLOWNS LABELED XXXX. 
When I filed XXXX complaint about the same issue and none of the XXXX  provided a solution they provide lues after lies only, The executive complaint management should be called executive lies management. 
The people who answer the complaints for Wells Fargo are labeled XXXX, Those are inexperienced people who are NOT WELLS FARGO EMPLOYEES, they are working for the contractor XXXX  from the comfort of their homes without any supervision not under Wells Fargo 's Management. I tried to speak to a manager or supervisor, but I was told that Wells Fargo employees who answer the complaint are working from their homes and there have no way to connect me to a manager or supervisor because they are independent contractors, they do not work under the supervision of Wells Fargo bank they are working for the contractor XXXX. 
XXXX XXXX stated on XX/XX/2023 We respectfully decline your request to email ME to set appointment to speak to a manager because they do noty want anything in writing because it will be easy to prove the lies they provide to the customers.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit card or prepaid card

This complaint is in regards to the MileagePlus GO prepaid card offered by NetSpend. Not only did NetSpend tried to charge me the {$85.00} annual fee TWICE before even using the card, but the I've earned XXXX XXXX miles last month and it was never posted to my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Experian, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedure ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my original signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETEDand if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below : 1. XXXX XXXX - Account Number : XXXX 2. XXXX XXXX - Account Number : XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX - Account Number : XXXX 5. XXXX - Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as welt be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

after the car purchase of the vehicle they XXXX  was in great shape with no issues 4 days later it overheated from a coolant leak. I in the uploaded text reached out to the dealership to try to get them to fix the vehicle within the lemon law limits and they refused. Secondly under consumer law the truth in lending act was violated as well as other consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not resolved my disputes and it has been over 30 days. 
XXXX is showing resolved with no supporting information and they have not contacted me via Mail. 
XXXX  is a duplicate of the above issues. 

Al 3 companies have names that I have never used and addresses that I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}