23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ATTENTION : XXXX XXXX XXXX XXXX In a period that includes less then 30 days, EQUIFAX, has feloniously and fraudulently altered my credit report in retaliatory tactics to try and coerce me to stop me from disputing and making complaints if their negligence and unethical practices. For the last 30 days EQUIFAX, has stop me from viewing and obtaining up to date information of my credit file to make sure they are abiding by mandates and standards. As is my right as a consumer. Ive been able to still maintain alerts thru other products Ive had long time service with that monitors my credit report. Today for the 3rd time I received an alert that changes were made to my EQUIFAX credit report that were negative. Today for the 3rd time I received an alert that an account that has been closed and charged off at {$180.00} and has accrued a month to month balance to date in the amount of XXXX ; was again fraudulently and feloniously reopened and and reported as currently missing payments. The first time it was XXXX payments, days later it is now XXXX payments. These are erroneous and criminal additions to my report ; especially while being in an investigative state, and EQUIFAX is doing its due diligence to not conduct and do business by standards and mandates, but by its own egregiously abusive and malicious mandates and regulations. This is an extreme infringement on my rights and I demand they be held accountable, responsible, and accessory as well to in the beginning WORLD ACCEPTANCE/WORLD FINANCE abusive and fraudulent attempts, to now being an individual owner in the injury and harm I have received from a company that is supposed to protect and report accurately ; not abusively and feloniously. As well as the above, in attempts to further cause me injury by not being able to dispute or rectify, I called in today and spoke to a representative named XXXX, I immediately before prompt gave pertinent information, same information on my report to establish and verify my identity. I still was made to answer security questions, same questions Ive always answered as correct and was further denied ; despite being same answers on my report and same questions from previous call days ago. This is tampering with my credit file to hinder me to consumer and owner of said file.
Product: Credit card or prepaid card

2 Letters dated XX/XX/2022 With different application numbers noted on each. Stated this was regarding my application for the XXXX XXXX XXXX. XXXX stated if you have any questions regarding this letter please contact us at card services XXXX XXXX XXXX XXXX XXXX XXXX No phone number was listed anywhere on letters. I suspected the letters to be fraudulently applied for two reasons one I never applied for an application for any Barclays card or any frontier airline Credit card second the letter was addressed to XXXX XXXX, this was my maiden name and not used since over 35 years ago. I looked up XXXX XXXX XXXX XXXX online to obtain phone number listed as XXXX. The first person I spoke with said that I had to call the fraud team and direct me to the second number fraud team XXXX. I explained my concerns they listen to my concerns asked my last four digits of Social Security number and date of birth. This person stated that I had to speak with the fraud security department which was different than the fraud team. I was directed to call XXXX I spoke with a woman name XXXX asked last XXXX digits of ss #, XXXX. I asked if it would help to give her the application numbers to see if there were any accounts open in my name she took the numbers came back to the line and said there were no accounts associated with these application numbers or in my name. She then said that this call needed to be Transferred to the customer security extreme high risk department put me on hold for several minutes and transferred To another representative XXXX XXXX she also asked for the last four digits of my Social Security number and date of birth. I again asked XXXX XXXX if she would like the application numbers listed on the letter. She said she needed to put me on hold looked them up and was back after several minutes. When she came back to the line she said that there was a account open with application number XXXX and everything was fine because she labeled it as fraud I asked about the second letter application number XXXX and she stumbled with her words stating No there were no account connected with that # .was while I was speaking with her that I started to suspect this was a case of fraud it seem to me she was trying to hurry me off and just directed me to report to the credit bureau I had to interrupt her over talking to me to request that she look up the application number noted on the letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is not my account. This account is showing as a collection on my credit report. 

I had a XXXX account before but that account is current and active. Opened XX/XX/XXXX Not sure where XXXX XXXX XXXX  Opened XX/XX/XXXX Pursuit to 18 USC 8. I owe no debt. This Company is violating my constitutional rights to privacy pursuant to 15 USC 168 1b 2. Company has NO permission to report ANYTHING using my info pursue it to 15USC1681 4 I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING LLC XXXX ... XXXX  XXXX/XXXX  XXXX ... XXXX  XXXX listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

A fraudulent account, which I never authorized or benefited from, continues to appear on my credit report, despite being deleted by both XXXX and XXXX. It is deeply frustrating and disheartening that this false and fraudulent information is still being reported. This not only defames my character but also violates my rights as a consumer, causing unnecessary stress and anxiety. I have already reported this issue to the Federal Trade Commission, yet no action has been taken to remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Checking or savings account

I am a XXXX XXXX and was in XXXX on XXXX XXXX. I departed XXXX on XX/XX/XXXX. I had fraud on my debit account for XXXX that was posted on XX/XX/XXXX. I was told by a Chase Fraud specialist that the time stamp of that withdrawal was XXXX XXXX  on the XXXX of XXXX. I had arrived home on the XXXX at XXXX XXXX. My supervisor with XXXX XXXX sent a copy of my trip schedule to my bank manager ( XXXX XXXX XXXX ) He said he forwarded this information to the fraud department. My claim was denied. Requested my case be reopened. Bank manager sat on my request. Never saw anything reopen. I was told that my chip was used therefore it was valid. Obviously the chip failed or some other method of fraud was used. The banks chip, their failure to protect me. 

Cancelled card. Got a new one. Again had a trip to XXXX on XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX. Fraud for XXXX. Made a claim. Supervisor sent a copy of my schedule. I arrived home to XXXX on XX/XX/XXXX in the afternoon. Fraud posted on the XXXX. Bank statement shows me using my card locally in the XXXX area at the same time the fraud took place in XXXX. Again went to XXXX XXXX XXXX at my XXXX Chase bank. He acknowledged the similarities of the amounts. The way they were printed on the statements.etc. Also, that my card was being used here in Texas at the time fraud took place in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX and Experian and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I have asked that they provide me with the requested info on how they verify such info
Product: Checking or savings account

After 7 years of being a loyal customer.

Robinhood put a freeze and lock on my account t, with over XXXX $ of my cash inside. 

Its been over a week, they take 2-3 days to return phone calls. I answered all the questions they have asked and I have submitted all documents they requested.

Robinhood refuses to let me withdraw or access the funds, refuses to solve the problem. And this is RIGHT BEFORE XXXX. 

The Robinhood companies THEFT of my funds, as thats what it is when you refuse to let a customer access, withdraw or spend their money. This theft has ruined a business vacation I am currently on. 

just like XXXX  when Robinhood cheated the system and turned off buy buttons to manipulate the market to move prices lower. Now the company is stealing and freezing customer funds. These reports are all over the Internet. Maybe the company has a liquidity issue or is going to go bankrupt but WHATEVER is wrong. This theft of customer funds is ridiculous. 

Ive been a loyal customer for 7 years. 

Theres never been any fraud or complaints on my accounts. The company had ZERO CAUSE to freeze my account.
Product: Student loan

I graduated with my XXXX in XX/XX/XXXX and began repayment on my loans XX/XX/XXXX per expectations. I was using a Segal Education Award for the first several years as I had done 2 years of XXXX XXXX prior to graduate school and was using it to pay off my loans while I worked to secure stable employment with a stable income. I was working in a public school during this time so my employment was qualifying employment. My plan was to work for 10 years, from XXXX in public service and have my remaining loan balance forgiven. I noticed after a year of payments that my payments from XXXX stopped showing as qualified and many of my payments weren't actually being processed as qualifying payments due to the way that the XXXX system did not always sent payments in a timely manner and was impossible to contact and told me there was nothing else they could do. I spoke to fedloan on a monthly basis to confirm my payment was received and would qualify and always submit payment requests on time and per fedloan and was given mixed information regularly. I was told my account was under review for 3 years and that the payments should show up as qualifying once the review was complete. The review is still pending. It has been 5 years now. 

I have been paying my loans on time since XX/XX/XXXX ( 49 months ) and only have 18 months of qualifying payments. My account is still under review and I am worried that nearly 20 of my payments will be deemed as 'not qualifying ' because of issues beyond my control. These payments were ones made with the Segal Award ( from the government ) to the government and should absolutely qualify for public service loan forgiveness. 

I need my qualifying payment information to be updated to reflect the accuracy of what I have been doing .... this is unacceptable and I wish I could discharge these loans in bankruptcy but I am unfortunately a public service slave for now longer than 10 years because fedloan refuses to review and understand the situation of the XXXX XXXX Award system not processing payments on time. This is beyond my control, but I am being penalized for up to 20 payments being deemed as not qualifying.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Debt collection

Midland credit management Inc. Filed a false declaration of service on me that resulted on not only defrauding me but the court system as well as they got a default judgment to garnish my wages. The name and information stated on the document who they served is completely made up. There's no one that exists with that name. My brother does not live here in this state, not the name listed on document nor is he XXXX as stated as the document. We are XXXX or how so alleged because they have been charged with robo signing that the process server is also a robo signing as when I looked up the name and number there's nothing that states they are a process, server or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries listed on my credit reports I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

So on XX/XX/2022 I tried to deposit a check via cash app, however the check failed to deposit so I took it to XXXX and cashed it there! Cash app then put a negative balance on my account in the amount of the failed check claiming I attempted to deposit a check twice which did not happen. I have since contacted cash app support team and they have ignored my claims and refused to help me resolve this issue! I have all documents showing the funds were not added to my account yet they refuse to remove the negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a credit card with XXXX XXXX in 2021. It is the More Rewards Amex credit card, and I was given a {$25000.00} credit limit. For whatever reason, Amex incorrectly put down {$2500.00} as my credit limit. And XXXX only checks with Amex to validate the credit limit, so on my credit report, it says I am over my limit as it is only {$2500.00}. This is affecting my credit score. My Amex credit limit is now {$33000.00}, and yet, I still have not received a change in my credit limit on the Amex portion of XXXX. I have called XXXX XXXX, Amex, and XXXX multiple times and they have each never fixed the issue.
Product: Debt collection

I have reached out to XXXX numerous of times regarding an account that was placed on my credit report. I informed them that I did not applying for credit with their company. They are still contacting me and reporting incorrect information to the credit bureaus. I have tried over and over to dispute this information and they keep insisting that the account is mine when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX.
Product: Mortgage

We have a Mortgage with DITECH and on XX/XX/XXXX. Hurricane XXXX  hit our city here in XXXX TX . One week later XX/XX/XXXX we get a letter stating that we had an overage on our Escrow account. We are out of town at the time we spent 2 wks in XXXX and XXXX XXXX because we did n't want to ride thru the storm with our little kids, no food or lights.

We have been a couple already and did n't want to go thru this one seemed like it would be a bigger one than we have dealt with. Needless to say we did have a little water damage. Compared to others here in Town. I called in our insurance claim after we got back and DITECH said that they had rehimbursed our " Flood Insurance ''! They said it was because we were no longer in a " Flood zone '' which I have confirmed that there was no such change to our Flood Map! That was a lie and the reason we could not contact the insurance company our selves is that we were always paying our Flood Insurance and Hazard Insurance separate from the Mortgage Payment. This last year DITECH forced insurance on us and it was lower than the Flood policies we found ourselves. I never got a copy of the binder or policy from DITECH or Insurance company for that fact.

I have called DITECH and requested online for a copy of my old policy and they will not send to me. I suspect that they did n't have an insurance policy during the time they said they had a policy and tried to hide there tracks by giving me the run around.

I am tired of being given the run around and am seeking help to fix our house which we thought we had insurance for and we were paying them for. I do n't know what we can do at this point since I feel like we are at there mercy and it does n't seem like they want to help us out when we need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with XXXX  and Transunion Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among XXXX and Transunion differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.