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

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$690.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing  Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Product: Checking or savings account

I was attempting to deposit a check for {$3000.00} given to me by my grandmother. It was returned by her bank as it triggered a fraud warning. She is in the hospital currently and was not able to contact her bank in time to approve the check. This is fine, I will have to get another check written out at some point. However, Ally, which is my bank, has proceeded to freeze all access to my account. I have no ability to pay my mortgage or any other bills even though I have attempted to clear up the mistake. There is no fraud. I will be getting a new check in the future and reattempting the transaction. They refuse to do anything about it and I have no time frame on when I will have access to my funds.
Product: Debt collection

This company has contacted me numerous amount of times in XXXX. They even filed a law suit against me for the debt. I called and specifically asked the representative for the letter that stated the judgement they filed against me in early XXXX. He only sent me two letters a letter of acceleration and another total loss letter. Nothing of which I asked for. This company is difficult to deal with. IF you may please get that letter they sent me saying that they were suing me for the full amount of the loan. I am annoyed because he steered me in the wrong direction saying it was a letter of acceleration knowing it wasn't. He lied because he doesn't want to provide me with proof that they were trying to sue me.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian and XXXX credit reports, I have identified inaccurate late payments that needs reporting and correction through your company. Please see attachments below.
Product: Money transfer, virtual currency, or money service

I have submitted documents to proof the virtual debit card is in my name, the company refuses to give me back my money I deposited, i have work with them and they have costed XXXX in lost trades. I have been frustrated, wages lost, because of my money being held. 

I have submitted the ORGINAL bank statement from the XXXX that they gave me and the refuse to lift my account restriction.
Product: Credit reporting or other personal consumer reports

Can you check these documents. I want these inaccurate accounts removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Experian regarding serious discrepancies in my credit report and their failure to adhere to the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my Experian credit report, I discovered that my rental account with XXXX Communities ( Account Number : XXXX ) has been inaccurately reported as " Closed/Never late '' when I have consistently made timely payments. The account was opened on XX/XX/XXXX, and as of XX/XX/XXXX, it shows a status of " Paid, Closed/Never late. '' This status update is misleading and raises concerns about the accurate representation of my credit history.

According to Section 609 ( a ) of the FCRA, consumer reporting agencies are obligated to disclose all information in a consumer 's file upon request. Furthermore, Section 607 ( b ) mandates that these agencies follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Experian has failed to comply with these legal requirements, and as a result, I have been adversely affected in my access to credit and housing. 

I have reached out to my rental company, and they are currently conducting an investigation into this matter. However, I believe that Experian 's unethical practices persist, as evidenced by the CFPBs recent lawsuit against them for sham investigations of credit report errors. This ongoing issue reflects a systemic failure on the part of Experian to conduct thorough and fair investigations into consumer disputes. 

I urge the CFPB to take immediate action against Experian for their continued violations of consumer rights and to hold them accountable for their practices. Consumers deserve transparency and accuracy in their credit reports, and it is imperative that organizations like Experian adhere to the laws designed to protect us. 

Thank you for your attention to this matter. I look forward to your prompt response and action regarding my complaint. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for account : XXXX XXXX  But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide
Product: Payday loan, title loan, personal loan, or advance loan

The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan amount is {$700.00} the total payout is XXXX, the annual percentage rate is 779.85 %, the dollar amount of the finance charge is {$2900.00}.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed that they are reporting incorrect information. This remark is detrimental to my credit/credit health.
Product: Debt collection

My employer was contacted about a wage garnishment via Apex Servicing, stating that they represent XXXX XXXX. They informed HR that a loan was taken out and not repaid, so written notice was sent to me and that I acknowledged the garnishment. The issue is that I never heard of Apex Servicing in my life, never received a written notice about a garnishment, so I was very confused when this Apex contacted my employer. I decided to do a XXXX search of " Apex Servicing '' and what I found was infuriating ( see below from XXXX XXXX XXXX  ) XXXX warns Washington consumers : -Apex Servicing is not licensed as a collection agency by the Washington XXXX Department of Licensing ( DOL ) . Apex Servicing is not registered to conduct business in Washington State by the XXXX, the Department of Revenue, or the Secretary of State. 
XXXX XXXX is not licensed by the Department to conduct business in Washington XXXX. The Department previously issued a Consumer Alert about XXXX XXXX, a company asserting to be owned by the XXXX XXXX XXXX XXXX XXXX of the Stewarts Point Rancheria, a federally recognized XXXX XXXX. You can find this alert here : https : //dfi.wa.gov/news/alerts. 
XXXX XXXX is not licensed by the Department to conduct business in Washington XXXX. The Department has issued a Consumer Alert about XXXX XXXX, a company asserting to be owned by the XXXX XXXX XXXX of XXXX XXXX, a federally recognized XXXX XXXX. 

Not only did Apex Servicing try to sneakily force my employer to illegally garnish my wages, I was not sent notice to my home nor is Apex the lender in which I established a loan. 

I have not heard from XXXX XXXX about this situation, I figured this was the best way to receive an honest and true response. Please see below for supporting documentation.
Product: Credit card or prepaid card

On about XX/XX/XXXX I ordered a sectional from XXXX, received it on about the XXXX and they sent the couch and loveseat in brown and the corner piece in gray - I ordered gray. Called XXXX and they refunded the amount and told me to wait two weeks before I disposed of cardboard that this came in - if I didn't hear back then I would keep or dispose of the sectional. While I was on the phone the lady put in a new order for the same sectional but told me that it would be three months as it was on backorder. I said ok at first and then thought about it and went in and canceled that order. 

XXXX refunded the first mistake sectional and then credited my account for the re-ordered one that I canceled BUT- they have not sent this credit over to my XXXX credit card so it is still showing that I owe for the re-ordered sectional,. I have called both XXXX and CITI who is the wayfair credit card and they keep sending me back and forth and have not fixed this yet. Attached is the invoice from XXXX showing a XXXX balance but my XXXX credit card is still showing the price of the sectional on it. I call and they either tell me to call one another or say they will credit it etc. Every time I call I get a different answer. Please help.I don't want to pay for something that was totally sent wrong or a re-order that I canceled.
Product: Checking or savings account

Chase will not refund my funds which were involved in a breach on XXXX site. Someone hacked my XXXX app ordering food off my debit card which was stored in their site. Chase said it is not their problem. They will not work with me. 

There were 2 transactions of {$68.00} Chase Bank is saying they are authorized. XXXX even sent me an email stating for Chase to refund me below. 

Provisional Credit was taken back. Now I am stuck and coming to this site for help.
Product: Debt collection

I sent LTD FINANCIAL SERVICES a letter of proof of validation on XX/XX/2021. LTD responded with a letter that didnt provide/show proof of validation.LTD FINANCIAL sent me a old bill which is not a proof of validation per law. I sent a letter demanding removal due to LTD not complying with the law which states they most provide proof of validation and investigation within 30 days of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Mortgage

This problem has been escalating since XXXX XXXX. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX This company has been constantly harassing me and my family to the point of affecting our well-being and our state of safety. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX I have never missed a payment they are all done electronically through my XXXX bank account. The mortgage service company XXXX, has been claiming I owe them thousands of dollars and late fees since early XXXX. I have already made a complaint against them because every time I try to contact their customer service all they want to hear is " how am I going to pay ''. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX After the last complaint I was told that it was all about a {$36.00} escrow shortage. I immediately paid XXXX/XXXX/XXXX but that did not stop the constant belligerent phone harassment from PHH Mortgage Services. I have tried everything possible to rectify this debacle. I have all documentation that I never missed a payment. I can only retrieve the last 6 months ( see attached ) but I 'm sure I can contact XXXX to go back further. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX Please help. This company is ruthless and relentless in their harassment and my family is at their wits end. I am afraid something bad is going to happen and then I will have start suing PHH Mortgage Services, XXXX Mortgage Way, Mt. XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it
Product: Checking or savings account

On XX/XX/XXXXXXXX  I added {$50.00} cash to my XXXX XXXX from my brother XXXX XXXX 's Robinhood account and on XX/XX/XXXX there were transactions on the robinhood account card that were done from a different XXXX XXXX and I had to dispute them w an agent and the agent was supposed to go through the transactions and select the transactions that weren't XXXX XXXX XXXX XXXX  transactions and he did minus 1 transaction of a whole bunch he selected that said XXXX XXXX XXXX XXXX  it was for XXXX from XX/XX/XXXX so XXXX XXXX took XXXX from my account and returned it to robinhood but once we noticed we canceled the dispute and robinhood said they'd return the money but they haven't and XXXX XXXX won't help with it so now my XXXX XXXX  savings has XXXX in it and I can't access it until my XXXX is returned.
Product: Payday loan, title loan, or personal loan

I had a line of Business Credit with Wells Fargo for over 8 years. Shut the account down due excessive fees and sold my XXXX. I have been paying account faithfully over the years. Called Wells Fargo Customer service to get a payoff figure to pay off account. On XX/XX/XXXX went into the local branch here in XXXX, NC with a certified check to pay off line of credit. Two weeks later went on line to check my account and there was a credit of {$100.00}. A week later ( XX/XX/XXXX ) went back into the branch and spoke to Manager and he said we have to have 14 days - 21 days before a refund check can be issued. As of the date I have not received a refund check from Wells Fargo Bank. I feel as a consumer I am getting the run around. The is the worst bank I have ever dealt with. I would like to received a refund since I have follow through with this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$70.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached the Explanation of Benefits for this account and it clearly shows the billed amount of {$70.00} with the cost share/copay amount of a {$0.00} balance. This account needs to report a {$0.00} balance due. This false reporting of a collection/charge-off is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

This is in regards to a recurring series of unauthorized " Analysis Service Charges '' made by US Bank on my checking account. Total unauthorized charges to date total : {$80.00}. The recurring charges have not stopped despite promises from bank representatives that they would. 

I first noticed the charges in XX/XX/XXXX. US Bank had been charging an unauthorized recurring $ XXXX monthly charge dating back to the beginning of XX/XX/XXXX. I called a customer rep to inquire as to the nature of the charge. Despite several transfers, no bank representative could explain the charge. At the the time ( XX/XX/XXXX ) they agreed to refund the charges. Though no less than 10 charges had been made, US Bank refunded only 6 of them. I chose not to challenge the difference since they promised that the recurring charges would no longer occur. 

Then, in XX/XX/XXXX, I noticed on my statements that the recurring charges had actually continued to be assessed for the months of XX/XX/XXXX throughXX/XX/XXXX. I called again with the same outcome : they refunded the charges and promised that the charges would stop. ( Again, they could not explain what was causing the charges. ) Today ( XX/XX/XXXX ), I see again that the charges have in fact continued for XX/XX/XXXX and XX/XX/XXXX.

I would like to log this complaint with the CFPB so it can be analyzed with other complaints in regards to unauthorized recurring bank fees by US Bank upon its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to XXXX & Experian and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to XXXX & Experian showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.
Product: Vehicle loan or lease

When I went to trade in my car to another dealer when I still owed on it through Wells Fargo it was showing me I owed {$5700.00} left and they added a extra {$1200.00} to the over all payout.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting info that is frued