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

XXXX XXXX XXXX made a Typo in my SSN number entry that led to incorrect SSN number update in Experian, XXXX  and XXXX  records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on www.idverify.irs.gov that uses Experian for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXX on XX/XX/2021, and also raised individual dispute cases with XXXX, Experian & XXXX  , however my SSN data have still not been corrected. Experian 's dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or Experian, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.
Product: Mortgage

We refinanced through Wellsfargo a month ago it finally closed. Throughout the whole process, there was confusion, lack of communication. 

The reason we are filing the complaint is, Wellsfargo made the decision to close our XXXX  XXXX XXXX line of credit without our permission, without informing us they were going to do so. We are now without a line of credit to work on our home. 

I made complaints within Wellsfargo, asking them to have XXXX  XXXX XXXX to re-open our loan. We are also hit with a early closing fee of XXXX from XXXX XXXX XXXX. All of this was done without our permission. 

Our complaints within Wellsfargo were responded to a lot of words that just said, 'sorry about that. ' That doesn't help us. Wellsfargo made a decision that we did not authorize them to do. I have emails and letters to support my complaint.
Product: Debt collection

EASTERN ACCOUNT SYSTEM is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XX/XX/XXXX I had them deleted over 3 times and I've lost count after that. Dates are XX/XX/XXXXXXXX XXXX XXXX, etc. I have been denied several apartments, credit cards, and jobs due to this constant reporting. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. EASTERN ACCOUNT SYSTEM violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. The original creditor is XXXX XXXX XXXX  which provided an account breakdown and discharged write-off date of XX/XX/XXXX. EASTERN ACCOUNT SYSTEM is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector in which whom bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.
Product: Checking or savings account

Re : Charles Schwab Banking Checking Accounts ( ALL LOCKED ) : # XXXX : XXXX Current Balance= {$2400.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$1100.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$0.00} Opened on XX/XX/2022 Charles Schwab Banking has locked all three of my checking accounts for almost two months now. I have funds in my first two checking accounts and I had full access until the lockout happened shortly after XX/XX/2022, which is the date I had opened my third checking account. Schwab banking required knowledge that I, the customer, had purposely opened all three checking account. I had professed yes to a Schwab banking phone representative who then sent an email request to their fraud department to unlock my accounts. The call was logged on XX/XX/2022. This type of request for resolution happened many more times with my logged phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I'd also walked into a Schwab branch in XXXX XXXX California before and on XX/XX/XXXX and XX/XX/XXXX, where I had provided copies of my California driver 's license and my USA passport. Their in-branch representatives forwarded those copies to their fraud department, requesting for my accounts to be unlocked. I was told by all Schwab representatives that the fraud department can only be contacted by email or mail and there is no other method to contact them by phone, not even by them. I find that very suspicious. I also find suspicious that I have not once been contacted by Schwab banking by phone, by email, nor by letter to notify me of their action of locking my funds in my bank checking accounts that are FDIC protected. It is unacceptable that Charles Schwab Banking has prevented access to my checking account funds for more than eight weeks now. We are USA and not XXXX. And so I formally request a case to be opened to investigate Charles Schwab Banking 's failure to provide their fiduciary obligations to me, their customer, as required by their FDIC certification. Please contact me any time via phone or email if you need further information. Thank you for your help.
Product: Checking or savings account

In XXXX XXXX  my granddaughter met a XXXX XXXX ( no relations ) who advised her thta she could get her an apartment. She claim to be a leasing agent. I met her and she seem to be legit. I was the administrative of my grand daughter income. She asked me to send {$600.00} to XXXX XXXX for an apartment. I zelled XXXX the money. She advised that if she did not get an apartment for my grand daughter she would return the money. We did get an apartment and XXXX made promises of sending the money back. I made a complaint with XXXX and the police deprtment. XXXX asked for an arrest warrant and theeey would refund the money. I called and gave them a copy of the warrant and theey change their story. Advised me that I was out of luck because I sent the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have new and updated information about Equifax Information Services LLC. I have recently submitted a complaint about Equifax along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Equifax is still reporting inaccurate information. Please see the attached exhibit of " updated '' but nothing was updated. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Equifax/Equifax Information Services LLC electronically through the CFPB and no other form of written communication. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022 at XXXXXXXX XXXX  Please see attached green receipt as exhibit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and haven't received any results or even no disputes are opened up.
Product: Credit reporting or other personal consumer reports

The item below should be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. This inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint with the help of the Consumer Financial Protection Bureau to dispute the erroneous account reporting on my Credit File. I was told to pay the balance of the account : XXXX XXXX XXXXXXXX with an account number : XXXX to have this account settled. However, I was baffled to see this account reporting as a negative account upon receiving a copy of my updated Credit Report. The Company promised me to have this account removed if I paid it, and I did so. This account was already paid, giving no rights to be reporting on my Credit File. In accordance with the Fair Credit Reporting Act, I am requesting that this accounts be completely removed from my Credit File.
Product: Credit card

Discover is causing me to request a code via email or text EVERY TIME I want to log into my account. I believe it is because they want to make it harder for me to log into my account and pay my balance so they can gain more fees and charges off from me. I have asked for an update on any fix to this and have been ignored.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts has violated my rights. 
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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Equifax for failing to conduct a proper investigation into the inaccuracies on my credit file. 
Equifax violated my rights by 1. Willingly and recklessly reporting false information after being notified of the inaccuracies. 

2. Failing to respond to my dispute within the allowed 30 days. 

3. Failure to provide the method of verification. 

4. Failing to notate an item on my report is under dispute. 

5. Failing tp provide all supporting documentation after responding the account was verified. 

Last year in XX/XX/2200 I first disputed my XXXX student loan accounts because of several inaccuracies. The balances were different, late payments were being reported and I have never been late on this account, also XXXX is currently reporting me late when the CARES ACT forbids any negative reporting for this loan type. 

MY RIGHTS A CONSUMER HAS BEEN VIOLATED.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i have been actively paying my debts however it doesnt get reported to the XXXX credit reporting agencies. when i address it with reporting agencies they say you have to get the company to report it. when i go to the company they say in this case it is XXXX child support collection unit, they send me the updated information but won't send it to the credit reporting agencies. the credit reporting agencies won't accept my records it has to come from XXXX child support collection unit directly, but they say they don't do that. so, my credit information and score are inaccurate. But neither entity will budge so i suffer in the meantime.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have lived at our current address for XXXX years- We owned our house- XXXX and XXXX in XXXX XXXX XXXX mortgage. We have XXXX XXXX phones for let 's say over XXXX years. 
I never had a XXXX  XXXX XXXX XXXX did my wife open up an account in XXXX XXXX  XXXX XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for XXXX years and I have XXXX years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my XXXX says that XXXX is the victim!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New jersey Okay my experience with XXXX the salesman was XX/XX/XXXX. However be careful when when making deals here. They give the lowest trade value compared to anywhere. I bought a brand new XXXX cherokee. I drove off the lot traded in my car the same day. I didnt like the car after doing my daily routine one day later. I came back two later they didnt want to take return so I did a traded it in. Car lost 25 % of its value. Only about 100 miles or so. I understand that. However they didnt help with the big amount of money I gave them with my trade in. So I lost another XXXX $ getting into the other car that I still wasnt satisfied with. Which left me with an equity of {$3000.00} toward this car. Now thats stealership. I just want everyone else to be careful with what you do cause theres no going back once you sign those papers and whats gone is gone and it sucks i just handed these guys XXXX XXXX Lesson learned. Also theyll lie there giving more for your trade but all theyll do is use these random rebates to get the car price down. So you fall for it. You wont find out until the last paper you have to sign. Which is the 20 long legal paper in pink
Product: Student loan

Last United States XXXX promised me that he was cancel All student debt. XXXX not able to pay those back. I bossing from XXXX can remove all my debt so I can be financially free. Please give me a chance. Removed all student debt please
Product: Debt collection

Navy Federal Credit Union XXXX, 2019 {$15000.00} this item is reporting inaccurate on my credit report I have sent all requested supporting documents to support my claim I request that all inaccurate reporting items be blocked and removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to obtain a free copy of my credit report based on being denied credit in the last 30 days. When I attempted to go through Equifaxs automated system, I was transferred to an agent who verified my identity. She then says she has to transfer me to a specialty department ( Consumer something ). I am left on hold and never transferred. I called back and had to re-verify my identity only to be placed on hold for the specialty department and then subsequently the call dropped. Equifax is attempting to treat me differently from other consumers because I have filed complaints about their reporting. I would like a free copy of my credit report immediately. I would also like for them to investigate two disputes I have regarding the following accounts : Chapter XXXX bankruptcy - requesting early exclusion as it is less than 45 days outside of the 10 year mark. 

XXXX XXXX - too old to be reported. It has been over 7 years since the date of 1st delinquency in XX/XX/2011. 

My rights are being violated by Equifax. XXXX and XXXX are reporting accurately however Equifax is discriminating against me in a retaliatory fashion for submitting complaints about their handling of my consumer report.
Product: Credit card or prepaid card

I sent a billing error dispute/validation of debt, affidavit of truth, opportunity to cure and notice of default letter to Macys XXXX XXXX XXXX Citi Bank N.A XXXX over the course of several months ; They have not worked with me to reconcile my account and maintain proper procedure under federal law therefore reporting several late payments and account closure on my credit report without my consent. Because of this, I have endured great anguish and turmoil as I have not been able to handle my affairs due to the hard hit my credit report has taken. Their unfair and erroneous debt collection practices need to be punished! here are a few federal laws they have broken to start with : 15 USC 1692c 15 USC 1692d 15 USC 1692j 15 USC 1666d 12 CFR 1026.13d ( 1 ) 12 CFR 1026.13d ( 2 ) 12 CFR 1002.4 ( a ) 15 USC 6802b
Product: Mortgage

I made several complaints against Wells Fargo in the past 2 years, my 2 last ones are left unanswered by the bank ( complaints XXXX and XXXX ). Last week, my attorney had to call Wells Fargo about the mortgage payoff statement. Guess, they did send it to the other bank since XXXX/XXXX/17 and was waiting for a confirmation. I can not understand a bank to bank would take that long. Even, why after a week they did n't call to make sure that the other party had received the money. It must be at least a couple of XXXX XXXX of dollars. If that does n't bother them why can not they pay my legal fees for the entire process? It wo n't call that much. What about me? I have been fighting for this for so long. Noone cares to reassure me ; they just let me worried and desperate. It is wrong, really wrong. 
As of this hour, they still did n't send me any confirmation. XXXX XXXX called me but no written document to confirm the transaction. By the way, when will the mortgage satisfaction be recorded? That shows again Well Fargo insensitivity towards their customers. It is really a pattern for this company. I was shocked today when I read something online about them again. In a letter to Acting Labor Secretary XXXX XXXX, Senator XXXX said she noticed on Tuesday that the site ( www.dol.gov/wellsfargo ) was gone and contained the words " Page Not Found. '' Yes, it is true. I just checked and it was still down. This is upsetting. Who is going to help us, the little guys?
Product: Credit card or prepaid card

Wells Fargo did not state a reason for denial however upon calling XXXX I was told to " lift my security freeze with XXXX '' by " XXXX '' @ XXXX for " further processing '' & would receive a response within XXXX business hours
Product: Debt collection

I contacted " Professional Bureau of Collections of Maryland '' and they were only willing to discuss payment. I then contacted " XXXX '' to resolved to problem and was told they no longer have any documentation on the account, the account has been sold, and they can not make any changes and/or corrections. The bill was approximately {$400.00}, which I've attached from 2013 and the amount the collection agency is trying to collection is extremely higher in the amount of {$3800.00}.