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

Equifax had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion decreased my credit score by 23 points without any explanation or any negative change that happened in my record. I called them several times and no one is able to explain why my score went down. I have checked the other two credit bureaus, XXXX and XXXX and they both report accurately and have similar score for my credit. I have tried to make claims on there website but, there isn't any appropriate option to chose from for this kind of situation. Please help. I work so hard to keep my score high and stay on top of my credit history, it is frustrating to have scores taking away from you and have no explanation for it. It is likely that their system has an issue since, they are the only one reporting differently among the other two bureaus, however, they are not willing to fix the situation either.
Product: Money transfer, virtual currency, or money service

Closing cash app accounts without verifying that they was closing accounts and not refunding when money was sent back by vendors.
Product: Credit reporting or other personal consumer reports

I called experian to dispute some personal information and soft inquiries that were on my account that were incorrect. The representative who helped me let me know the things that were on my credit r report that could be disputed and then said some of the information couldnt be disputed. However not too long after speaking with the person on the phone the information was never removed and if or when it was removed it was placed back on to my credit making my credit go down some points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was in a car accident and the other person 's insurance was responsible for repairing my vehicle. They offered a total buyout on the vehicle, which I accepted in XXXX. 

I have been trying to replace the vehicle by applying for an auto loan pre-approval through XXXX ( my primary bank ). XXXX uses an automated service to interface with Experian. I have completed steps to submit my information for pre-approval through XXXX multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and every single time the pre-approval is declined with an error message reading, " Unable to verify applicant 's identity. '' Surprisingly, each time this happens, these inquiries have also been reflected on my credit score ( even though my identity apparently can not be confirmed ). 

I have spoken with both XXXX and Experian multiple times concerning this issue, with conversations and hold time adding up to multiple hours each time. ( XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Every time I have called one of these companies, I have been told that there is no error on their end and that it must be with the other. I was also told it could be due to my legal name change ( which I brought up ) from more than four years ago, or due to a recent move ( XX/XX/XXXX ). However, I have verified and re-verified every last shred of personal information possible with both organizations and have all addresses listed from the last 7 years of my life and I still can not get pre-approved for an auto loan. I've been without a car for over a month.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found an unauthorized account that was opened on XX/XX/year>. This is an account that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

To start this debt should not of happened and had no real material value to the debt. At one time I had a good relationship with XXXX XXXX but they soured this through several acts of disservice. 

A fraudulent charge came into an account that I had at XXXX XXXX XXXX XXXX. This was after I had asked for the account to be closed. This charge was not PAID. Instead they charged an overdraft for a declined transaction. They then proceeded to keep overdrafting the account till it hit a time limit and they closed it out. ALL of this after I had closed the account. 

Years later I find this on my credit report. I tried to work with XXXX XXXX on this issue but they refused and pointed us to XXXX XXXX XXXX Since the amount was small ( XXXX ) we decided to just pay it and try to move on XXXX. However XXXX XXXX keeps updating this as an open collection with an updaid amount showing as a charge off every month even though we already paid it. We have tried to work with XXXX XXXX to close this out as they said they would but they are now refusing saying that the collection agency and only them can update them. They refuse to call or get any validation that this is paid and instead KEEP damaging my credit rating. We have disputed this information with the credit bureaus even attaching our receipt from XXXX XXXX XXXX but comes back as validated from XXXX XXXX XXXX XXXX. I am suffering real damages because this is effecting me buying a house for my family. I can not open an account with another credit union either because of this false claim. 

XXXX XXXX XXXX XXXX has been rude and not helpful at all. It seems the agents want to cause harm to people.
Product: Mortgage

XXXX hired a retired XXXX and XXXX, as well as XXXX, whom determined they where victims of mortgage fraud. They actually did not recieve a mortgage or loan invalidating the claim of BUCKLEY MADOLE, PC. From a hand writing expert that determine XXXX XXXX of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and is no longer is notary. XXXX determined for last 8-9 years XXXX of XXXX county has been practicing law from the bench a high misdameanor, Most all public servants pensions are based on fraudulent mortgage backed securities about 63 %. Also, XXXX did not have XXXX form or XXXX on file as required by law. Thus, all preceding were done without impartiality, jurisdication or authority, and are void, not voidable. Thus, XXXX was treated as MONEY and was monetized and cashed paying off house immediately, Money that XXXX created providing the signature as per XXXX, XX/XX/XXXX. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX, AND XXXX, XXXX, AND XXXX WERE all put into a government conservator-ship. This process was set up from the XXXX and XXXX. Using XXXX ( XXXX ). and XXXX whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of XXXX either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/XXXX has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with XXXX, then the party took out additional loans from XXXX. 
We should be able to file a claim against BUCKLEY MADOLE, PC, and XXXX XXXX, XXXX, AND XXXX. XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim FOR XXXX COMMOM LAW COPYRIGHT VIOLATIONS. 
BUCKLEY MADOLE, PC XXXX XXXX, CA XXXX
Product: Credit card

I mailed a check from XXXX XXXX XXXX ( a third party that I used to take out a personal loan to consolidate my credit card debt into that one loan ). This check was mailed on XX/XX/2024 & was for {$1100.00}. I called Barclays XXXX  Mastercard customer service on multiple occasions, once every couple of days to see if they received my check. Every time, the answer was no. Yesterday XXXX, I called XXXX XXXX to see if they could give me a new check to mail because clearly the original was lost. This is when I was informed by XXXX at XXXX XXXX XXXX that this check was cashed/ deposited by Barclays XXXX  Mastercard on XX/XX/2024. The payment has yet to post to my account. I am now facing late fees. Receiving multiple phone calls a day from Barclays because my payment is past due, & my credit score has TANKED. It is usually in the XXXX or above, IT HAS DROPPED TO XXXX AT ONE POINT & IS NOW ONLY IN THE XXXX. XXXX response is that they will investigate, but it will take 1 to 2 billing cycles ( XXXX days ). I then reiterated to them that I am leaving to go on a XXXX Cruise on XX/XX/2024, & I need this card up & running BY THEN, to which their response was well you can make a minimum payment of {$80.00} to get the card activated again & no longer overdue. I am also ending my lease with my current landlord, my lease ends XX/XX/2024, so I can not afford for my credit score to be destroyed by this company when I am actively trying to find a new place to live. Barclays did give me a case ID # which is : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 


Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2018 made contact with XXXX in regards to a collection account on my credit report and they have denied to removed it, after I have provided with documents that this is not my account and I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing XXXX XXXX  with a court document stating that at the time of purchase the letter they mailed to the XXXX XXXX XXXX of the addresses in my credit report i no longer had access to the XXXX as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX no communication was mad to any correctional facility and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with XXXX XXXX so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi XXXX XXXX was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, DISCOVER FINANCIAL SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and have tried to resolve this issue several times by calling Equifax but the information remains the same. I have valid police reports to assist and filed a report with the federal trade commission regarding identity theft. I am asking that Equifax removes this information from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX of XXXX I was charged {$59.00} for a specific product that was greatly different than what I ordered. I filed a claim with my credit card company ( Bank of America ) who ultimately closed it out in the merchants favor. The merchant stated they would refund my money and haven't done so yet so I told this to Bank of America and they stated to fax in the documents and write my claim number on the fax and they would re-open the claim. I have faxed in my paperwork twice and they have not reopened the claim and I can not get anyone one the phone to actually help me with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, XXXX and Equifax to remove XXXX XXXX XXXX  XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.
Product: Checking or savings account

I opened an HSBC Premier Checking account around XX/XX/2021 under the promotion that advertised as 3 % cashback for direct deposit, up to a total bonus of {$120.00} per month, for up to 5 months. I have been doing my paycheck direct deposit starting from XXXX and haven't seen any cashback bonus deposited to my account as of today XX/XX/2021. I reached out to HSBC via internal message but received a very generic reply.
Product: Mortgage

Received notice from tax collector in XX/XX/XXXX that they never received payment for school taxes. After reviewing online mortgage statements I saw tax payment was deducted from escrow account on XX/XX/XXXX for school district taxes in the amount of {$4900.00}. I called tax collector and they confirmed it was never received. I called mortgage company approx. XX/XX/XXXX and explained situation. Gregory fund customer service said they are very busy and will refer message to escrow department and should be taken care of within a week. I called the tax collector a week later and they never heard from mortgage company nor did they receive payment for school district taxes. Finally got through to mortgage companys customer service again on XX/XX/XXXX and they told me it was paid on XX/XX/XXXX. They were to send me ( email ) a copy of distribution letter to show the county taxes were paid. Instead of a distribution letter, I received a the Escrow account statement showing money ( XXXX ) was taken out on XX/XX/XXXX for school district tax payment and on XX/XX/XXXX the transaction was voided and the {$4900.00} was added back to my account. I called again on XX/XX/XXXX and asked to speak with someone from the Escrow department and they said its not possible but they will once again escalate the process. Since the Escrow department didnt pay taxes when due there are a total of 12 % in extra fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency refuses to remove 3 fraudulent inquiries from my credit report. 

XXXX XXXX/ XXXXvisa - XX/XX/2019 They removed fraudulent account but they are refusing to remove inquiry. 

XXXX/XXXX  - XX/XX/19 XXXX XXXX send a letter to equifax To remove fraudulent account and inquiry. 
Although equifax removed account, they refuse to remove inquiry. 


XXXX XXXX XXXX XXXX - XX/XX/2019
Product: Credit card

My card was used for an unauthorized charge in the amount of {$1700.00}. Do they indicate that I accept the term, when I do not authorize them to process the payment and even so they did, I am very upset because they continue to charge me for a hotel stay that we did not go to or enjoy and to top it off I have to pay? I do understand that in extreme cases the hotel charges one night as a guarantee if I had authorized the reservation, but that was not the case and the hotel or the agencies involved and the bank are defrauding me for {$1700.00} dollars. I want an immediate resolution to this case, we are not going to continue procrastinating on this matter. I also communicated with XXXX XXXX ( XXXX XXXX  ) XXXX in these cases and helps consumers to recover their money. As soon as they finish putting together their case, we will also go on the news because with this situation I will not stay calm, I will go to the last consequences, but my money will appear. It is unfair that my bank does not agree with me when I am benefiting and consuming it, and it is also very frustrating that they delay the matter to let time pass and I can not manage the return of my money. Understand that I did not authorize paisly to charge this money there must be a recorded call including the agent XXXXXXXX XXXX XXXXXXXX accepting that it was a mistake and that they would return the money to me, but it was not like that, even if they show otherwise, of course not to lose a case they are capable of fabricating any falsehood, but the law protects me and that's what I'm doing. We will surely end up suing all the parties involved if this case is not resolved in the best way, because this is scam and fraud at the same time and I want my rights to be validated at once. Do not respond to the consumer that they need more time, simply resolve this dispute and if you are going to communicate with me, let it be entirely in XXXX. Thank you for solving this situation once and for all.
Product: Debt collection

PORTFOLIO RECOVERY, LLC ( " Portfolio Recovery '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character. 

1692f ( 1 ) prohibits a collection agency from making any attempts to collect on a debt unless expressed in the original agreement. The credit card agreement, statements, bill of sale and any testimony are general. The company does not possess any account-level documents that would identify me as the debtor. 

Portfolio Recovery is attempting to collect an alleged debt in the amount of {$570.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time. 

To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account # : XXXX. In the event that Portfolio Recovery does not have the documentary evidence I demand they immediately cease collection, zero out the account and delete the debt from my consumer report. Failure to comply may result in legal action.