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

According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXXXXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT XXXX XXXXXXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD XXXX XXXXXXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL 3 MAJOR REPORTING AGENCIES, XXXX, XXXX and Equifax!!!!!!
Product: Credit reporting or other personal consumer reports

I have ALREADY FILED A PREVIOUS COMPLAINT WITH YOU ALL & YOU JUST BELIEVED WHAT THOSE PEOPLE SAID WITHOUT PROVIDING PROOF! I HAVE PROOF! MESSAGES FROM THEIR OWN EMPLOYEES STATING HOW THEY DONT HANDLE THINGS PROPERLY! THESE PPL HAVE REPORTED INACCURATE INFORMATION TO THE CREDIT BUREAUS & COMMON SENSE SHOWS & TELL THEY'RE LYING ESPECIALLY WHEN THE BALANCE THAT SHOWING ON MY ACCOUNT, FROM WHAT XXXX OF THEIR REPS STATED IS TOTALLY DIFFERENT & TWICE THE AMOUNT THAT's BEING REPORTED TO THE CREDIT BUREAU & IT WAS DIFFERENT THE DAY THEY UPDATED BUT YET STILL LIED!! ITS SAD THAT YOU PEOPLE DONT CARE ABOUT WHAT BUSINESSES DO & GO ALONG WITH THEM SCAMMING BEING FRAUDS TELLING LIES & NOT RUNNING A BANK OR CREDIT CARD COMPANY CORRECTLY & FAIRLY!! THEY ADD GHOST INTEREST THAT US CONSUMERS ARE NOT AWARE OF & THEIR REPRESENTATIVES SAID IT!! SHAME ON YOU CFPB! WHAT IS YOUR PURPOSE IF YOU'RE NOT DOING YOUR JOB CORRECTLY EITHER??? ITS ILLEGAL FOR COMPANIES TO REPORT INACCURATE INFO AS WELL AS ANYTHING THATS UNDER DISPUTE YET YOU ALLOW ANYTHING! THEY DONT EVEN PROVIDE YOU WITH DOCUMENTATION TO BACK UP THEIR LIES
Product: Credit reporting or other personal consumer reports

Past due payment of 30, 60 and 90 days where reported to credit bureau illegally under US sec 15 USC 6802 B ( opt-out ) .This report was opened on XX/XX/year> under XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I acquired a commercial vehicle from XXXX XXXX XXXX XXXX on XX/XX/21 that was financed by Financial Pacific Leasing. In the lead up to the sale, XXXX passed me onto two separate brokers that were responsible for executing the contract. The brokers, XXXX XXXX and XXXX XXXX XXXX XXXX did not fully explain the terms of the agreement. Several months after I took possession of the vehicle, I learned that I 1 ) signed a " Equipment Finance Agreement '' and 2 ) despite acquiring the truck for {$79.00}, xxx I owed {$120.00}, xxx on day one. The brokers only showed me the monthly payments but did illustrate how interest is packed into the loan up front. At this point, my business has collapsed ( along with thousands of other small trucking businesses ) and I am trying to negotiate a buyout with Financial Pacific Leasing. I have paid more than {$28000.00} towards the loan yet they are demanding a settlement in the amount of {$75000.00} to settle the contract. My complaint is no different from those mentioned in a class action lawsuit against Financial Pacific 's parent company as well as a number of consumers who have levied complaints to the XXXX  since the beginning of the year. Over the last weeks, I have worked tirelessly to reach a settlement with Financial Pacific but to no avail. I believe that the process was not transparent, and I am calling on Financial Pacific to come to a fair, amicable, and just resolution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I certified for my unemployment the week XX/XX/2020 I got paid XX/XX/2020 to a wrong direct deposit account. I called everyday till today from the XXXX to dispute my case nothing has been resolved Im missing {$160.00} and no ones been able to trace it. I called the bank too. I told unemployment to send my payment to my eppicard account if the bank refuses payment and sends it back to Unemployment to issue payment to my prepaid card but my account is suspend/closed when log or I mean try to log in it say closed account. Why!?! I did nothing wrong on my part to have it closed
Product: Checking or savings account

First Foundation Bank will not allow me access to the funds in my savings account. I can not transfer out of my account and they have locked the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS. 

These are the accounts below.I 've also attached documents showing the attempts trying to get this matter resolved. 


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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for persistent inaccuracies on my credit report that remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these issues, I have not received adequate investigation results, and the reporting continues to impact my credit negatively. 

XXXX. XXXX XXXX ( Reference Number : XXXX ) : Experian erroneously claims to have verified a bankruptcy record with reference number XXXX through a reinvestigation. I have evidence from XXXX, the third-party vendor, confirming that no such record is present in their reports. This bankruptcy is unverifiable and must be promptly removed from my credit report. Enclosed is the Table of Contents section of my XXXX report as proof. 

XXXX. XXXX XXXX Accounts ( Account Number : XXXX ) : ** XXXX accounts under XXXX XXXX ( account number XXXX ) are inaccurately reported. XXXX account lacks payment history, while another displays inconsistent late payments. Despite my dispute, Experian has not provided investigation results. Attached is XXXX XXXX XXXX 's response dated XX/XX/XXXX confirming the discrepancies. 

XXXX. COMMUNITY FIRST CRED Accounts ( Account Numbers : XXXX, XXXX ) : Experian has not addressed my dispute regarding XXXX accounts under COMMUNITY FIRST CRED. The CFPB redirected my complaint to XXXX XXXX XXXX XXXX, causing the issue to remain unverifiable. XXXX XXXX 's response dated XX/XX/XXXX contradicts Experian 's reporting. Attached is XXXX XXXX 's response for your reference. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is inaccurately reported by Experian. XXXX XXXX XXXX XXXX 's confirmation of full payment on XX/XX/XXXX, Experian 's reporting is incomplete and outdated. Attached is XXXX XXXX XXXX 's response for your review. 

XXXX. Bank XXXX XXXX Account ( Account Number : XXXX ) : Bank XXXX XXXX 's response dated XX/XX/XXXX, confirms that credit was revoked on XX/XX/XXXX. However, Experian continues to report inaccurate late payments and a later date of last activity. This account must be promptly removed from my credit report. Enclosed is Bank XXXX XXXX 's response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting notified when you people need to pay attention. It was XXXX  and Equifax that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of  these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on XXXX
Product: Student loan

Hi, my problem is when I was XXXX yrs old I went to get a XXXX at the local XXXX college where I grew up. I was automatically enrolled in a quarter ( I was XXXX, mind you, I had no clue what was happening ) so I figured I 'd give it a shot and it was under a PELL grant. I decided that was not for me, as I was going to be a XXXX, which I am now. So ... here we are, decades later. 

I am told I was enrolled in a different XXXX college, rather some distance from where I lived. I did not. I am told there is a consolidated loan on this. I did not do this, either. I have tried explaining this until my face is blue and get nowhere. 

At this time, I do n't even know what this other college is! 

So, I was contacted by NCS and it seemed I could finally get a resolution. I filled out so much paperwork it seemed to me, maybe someone would actually look into this and fix it. Not so much. They took all my info and proceeded to garnish my wages. I can not have this much taken from me, especially since I do n't owe it. 

I called NCS and was told I was put under a financial hardship and they would not take more than XXXX $ per monthly check. Surprise! It was 15 % of my ENTIRE check, garnished. I 'll end up with no power and no apartment within months if they do this. 

My plan was to go ahead and let them take a garnishment ( small, not fun, but managable ) while I contacted a lawyer to see what I could do about this, as all I get is a runaround and they really do not care to even listen to what is going on, or care if I lose everything so they can just do whatever they want. 

I was suppose to get a phone interview, did not happen. 

They say they wo n't take more than XXXX $ but took twice that amount. 

I was XXXX and did n't know what I was doing ( parents were not involved, just me. ) I have tried, many years, to just talk to, and find out what this is even about. No info is given, they just take my money for some school I never went to. 

I never, at any point in my life, spoke with anyone about, or, consolidated any loans. 

I need help, and did contact a lawyer, who directed me here. Mostly because I have no info on what this even is, as nobody will tell me. All they care about is robbing me. And this is robbery. 

They ca n't even get my name right on this. 

I am a professional, and this is BAD for my reputation.
Product: Mortgage

With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected. 

The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never. 

The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates. 

Their errors have caused me great harm. 

Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable. 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked my consumer credit report and noticed inaccurate personal information that is the result of identity theft. Including names and addresses. XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft is the applicable law.

15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There shall be only XXXX name on my consumer credit report- XXXX XXXX XXXX There shall be only XXXX address on my consumer credit report- XXXX XXXX XXXX XXXX CA XXXX All other names and addresses are a result of identity theft. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the collection company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my XXXX and Transunion credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that XXXX credit bureau and Transunion credit bureau removed this from my credit report. If not I am going to start a legal action. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing about the account that has been settled long time ago. Its a closed account from XX/XX/XXXXXXXX  which i closed in settlement but it still appears on my credit report as negative and affecting my credit score. 
Here are the details about the account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX  Status Paid in settlement. {$530.00} written off. 
Status updated XX/XX/XXXXXXXX  Last payment date XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Mortgage

1st complaint : We have had a mortgage on our home for 15 years now. No problems. Mr. Cooper comes along, the following issues have taken place : They took over our mortgage XX/XX/XXXX. By statement dated XX/XX/XXXX they said our escrow was XXXX. Statement dated XX/XX/XXXX, XXXX. We received an escrow review statement dated XX/XX/XXXX saying, {$3100.00} shortage on our escrow. How in the XXXX did it go from XXXX to {$3100.00} within such a short period? Then drop down on statement dated XX/XX/XXXX to XXXX. Then back up to XXXX on statement dated XX/XX/XXXX. XX/XX/XXXX, XXXX then back to {$2000.00} shortage on statement dated XX/XX/XXXX. 
2nd complaint : I was a little late not 30 days but for about 4 months because we switched jobs and only get paid bi monthly. We finally got back on track and now they are saying that they have not received our XX/XX/XXXX payment even though I mailed the payment in advance, XX/XX/XXXX. We have until the XXXX before late fees are added. I know how long it takes to get to them because nothing has changed since I started paying them. 
3rd complaint : I was charged XXXX late charge payments of {$44.00} on XX/XX/XXXX plus an additional Late charge assessed of {$44.00}. We were also charged not only a late fee of {$44.00} but what they called a late charge assessment fee of {$41.00} on the statement dated XX/XX/XXXX, and on the statement dated XX/XX/XXXX a late charge assessed, {$44.00} on date XX/XX/XXXX, escrow payment of ONLY {$2.00} on XX/XX/XXXX, another late charge payment, {$41.00}, {$44.00} both dated XX/XX/XXXX. The same on statement dated XX/XX/XXXX. I think me and my husband are being taken advantage of because he is a XXXX XXXX veteran. We want a new mortgage lender and we do NOT want to refinance AGAIN to get one. We shouldn't have to refinance to change from someone who obviously is doing illegal things just to get money from people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter off to you guys on XX/XX/XXXX, To remove personal information that I dont want on my credit report.According to XXXX XXXX XXXXNo financial institutions are to SHARE!!, my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

Capital One is blocking me from enabling external applications ( like XXXX ). I believe that by blocking me from accessing my own financial data, this is unfair.
Product: Money transfer, virtual currency, or money service

I sent XXXX via wire transfer and yet havent received my money in the coinbase pro account thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and address reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps listing my requests as duplicate, or ignoring, or playing games. However, they haven't yet to answer one. For 5 years I have been requesting a copy of the signed and dated permissible permission used by Experian and XXXX XXXX XXXX XXXX ( XXXX  ) to access my credit report in XXXX 2017. They have yet to do anything but play games. They pass the buck to XXXX who also lists requests as duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to unlock my account after i have sent them my personal documents they have requested and are now claiming they have lost my documents i sent because after i have gotten them on recorder claiming on XX/XX/XXXX they have received my documents from a supervisor and an agent they are now claiming their is nothing in the system of any documents i've sent when i have on recorder otherwise and my fax telling me my documents were received. Equifax is giving me a very hard time and i feel that they are not being transparent and abiding by the fair credit reporting act. This problem needs to be fixed as soon as possible and immediately because it has already been more than 5 days which they have told me twice it will take to unlock my equifax and get my login whiuch should not have been locked in the first place. I feel that Equifax must compensate me for the damages they have cause me to endure while losing my documents and cause my score to be damaged for the period they have kept me waiting and are now hanging up the phone on me every time I call to attempt to recover my equifax account to get in their to fix what has damaged my score and payment history.
Product: Credit card

This email me on a settlement amount of {$180.00} I paid {$180.00} by XX/XX/XXXX they told me it will take 21 business days for my account to be closed with no balance leftover after 21 days passed in XX/XX/2023 i was told its still pending I reach out to this company again on XX/XX/XXXX they telling me to call in 24hrs so I called today XX/XX/XXXX and I'm still getting the run around account still reporting a balance still reporting I'm late how I'm late when I do my part They don't what's going on one agent told me he doesn't know how handle settlement cases he learned from my experience they are bad at communicating and updating information
Product: Credit reporting, credit repair services, or other personal consumer reports

I rang Equifax to query why my credit score has been consistently negative even though I do not have any negative reports on my Equifax report. I was not given an explanation of why Equifax is consistently negative. I am now beginning to think that Equifax is negatively profiling me. No one at Equifax could explain to me why my credit score XXXX, yet I do not have a negative report on file. Equifax failed to explain how it reached to this poor credit score. It should be noted that Equifax is the only credit scoring company that has been consistently negative. I am now convinced that they are relying on other information that I am not aware off. How else would Equifax explain its negative report?