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

I have being trying for 3 weeks to get a security freeze off my credit report that I had placed. Equifax should be shut down completely. They keep giving me excuses on they are working to fix the issue removing the freeze but the freeze is still there I been trying for 3 weeks now. They keep saying they are putting in a ticket to get it fixed and as of today it's not fixed. I will start looking at a attorney to handle this matter as I have read online other people who have had to same issue. I will look into starting another class action lawsuit because this is completely crazy. I am in the process of trying to get a home but can't because they can't pull my credit which has caused my family a great deal of pain. They hire all these people overseas to help you when most can't even speak proper english and I keep getting the run around CFPB please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged debt, no therefore any such debt, in fact therefore exists. 

XXXX XXXX  XXXX Acct # : XXXX both are reporting on my credit report. 
XXXX XXXX  Acct # : XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged debt, no therefore any such debt, in fact therefore exists. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I previously placed a security freeze on my file with Chex Systems , Inc. for added protection. I no longer need the freeze and would like to have it removed. Additionally, I have misplaced my security freeze PIN and require a replacement. I am also requesting a copy of my consumer disclosure report to review my file for accuracy and completeness.
Product: Checking or savings account

Cash App will not allow me to use funds on my card. It started with a dispute I had for a fraudulent purchase. After several attempts to dispute I noticed every time i would need to swipe my card for purchases it would state unusual activity and decline. I am limited to only sending/receiving money from other recipients. I can not make any withdrawals nor are payments able to be taken for bills when I have the funds in my account. I asked Customer Support several times if I could provide any personal information to clear up the problem and they continually state they have no further information to provide. Now they have removed my card from the app and it can longer be used. I still have funds in my account I can not gain access too.
Product: Credit reporting or other personal consumer reports

I received my Equifax credit report on XX/XX/2024 and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) 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. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is violating my right to privacy according to 15 USC 1681 ( a ) ( 4 ) and has had no permissible purpose to STEAL MY IDENTITY according to 15 USC 1681b ( a ) ( 2 ) they have caused me a ton of distress with seeking employment and financing in these hard times. They are causing me to lose sleep and not advance in life. I need help! As a 3rd party data furnisher I did not give them permission to use my identity for their financial gain!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 

Account name : # 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 an 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.

15u.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.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Product: Debt collection

I am filing a formal complaint against Spring Oaks Capital LLC for reporting a credit card collection account on my credit report that I do not owe, have no knowledge of, and believe is a result of identity theft. This inaccurate reporting is significantly impacting my credit, creating financial hardships for me as a single mother trying to make ends meet. 

I have repeatedly reached out to Spring Oaks Capital LLC via email and other channels, requesting proof that this account belongs to me, including documentation with my signature. Despite my persistent efforts, I have not received any response or supporting evidence from them. 

Instead of addressing my concerns or providing verification, they continue to report negative remarks on my credit profile. I am requesting an immediate investigation into this matter and for Spring Oaks Capital LLC to either provide valid proof of this debt or remove this account from my credit report without further delay. 

Thank you for your time and attention to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX for the past 3 years trying to get information on my credit report corrected and deleted. Each time I received a letter stating the accounts were validated and no resolution. This has caused me to be be homeless, without a vehicle, denied for employment, Bank accounts, credit and more. 

Below are the dispute results I received with no resolution. 
Report Number : XXXX Date Ready : XX/XX/year> Report Number : XXXX Date Ready : XX/XX/year> XXXX has been allowing the debt collection companies update the accounts as if they are current and valid. I have been included in multiple data breaches which has exposed my information and would like all of the negative items on my report removed please.
Product: Student loan

I want to pay off student loans I live in XXXX I want to make payment by XXXX XXXX transfer I need bank details- Name, Account numbert, XXXX, XXXX  and XXXX  codes
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies.

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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.
Product: Bank account or service

Opened Citibank Citigold Checking with Promotion Code XXXX. This promotion promised a {$500.00} bonus with the following terms : 1 ) Open new checking To qualify to earn a {$500.00} cash bonus, first open a new consumer checking account in the Citigold Account Package. Then, within 30 days after account opening, deposit {$50000.00} or more in new-to-Citibank funds into your new Citigold checking or new or existing Citibank Savings Plus Account. A minimum balance of {$50000.00} is required to be maintained in the new Citigold checking, or new or existing Savings Plus Account for 30 days from the date that the {$50000.00} deposit is made. '' " The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. ". 
Account opened XX/XX/2016. XXXX XXXX {$50000.00} deposited into account. 30 days later, XXXX XXXX, qualifications for bonus were met, {$500.00} deposit should have posted no later than XXXX XXXX. I inquired in XX/XX/XXXX and received confirmation letter that qualifications have been met and bonus would post 90 days after qualifications were met. On XXXX XXXX, I had on online secure chat with Citigold representative who confirmed that all requirements have been met, and bonus would post XXXX XXXX. Bonus did not post. Made numerous phone calls and was told there were processing delays and bonus will post. However, this is a bank and they have defaulted on their obligation. I would like my {$500.00} bonus to post ASAP.
Product: Checking or savings account

I contacted Wells Fargo on XX/XX/XXXX at XXXX EST to speak with someone regarding 401k accounts. I was requesting a copy of my XXXX Tax Year 1099-R. When I provided my credentials to authenticate myself, Wells Fargo was unable to pull up my information. Based on a bill I received from the IRS a 1099-R was reported from Wells Fargo under my SSN for the amount {$12000.00}. However, they were not able to locate my tax forms. 

In XXXX, my Wells Fargo 401k moved to XXXX. Wells Fargo told me they no longer serviced retirement accounts and they didnt have any additional information to provide me. I was told to reach out to The Advisor support team at XXXX, a company that serviced the 401k accounts. 

I called XXXX on XX/XX/XXXX at XXXX EST to see if they would be able to locate my 1099-R from XXXX. They were unsuccessful finding any information regarding my accounts. XXXX  told me that Wells Fargo should still have records that took place in XXXX because they didnt service 401k accounts during that time. 

I called Wells Fargo again on XX/XX/XXXX at XXXX to speak to someone in the Wealth Mgmt Department XXXX They once again was unable to locate any documents related to tax year XXXX and advised me to call XXXX again. 

I need a copy of my 1099-R distributions from Tax Year XXXX and Wells Fargo along with the advisor support team at XXXX has been unsuccessful in providing any assistance. This is alarming because by law financial institutions have to hold records for at least 5 years.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has wrongfully charged late fees and reported late payments on my consumer report, even though all my payments were made on time, in the correct amounts, and on their respective due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX  and XXXX to look into a Chapter XXXX Bankruptcy that was given to them. I filed a dispute because I believe that the U.S Bankruptcy court did not provide them with this information. Experian said " The Company that reported the information has certified to Experian that the information is accurate. '' The court was US BKPT CT MI  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : XXXX XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Product: Debt collection

XXXX called and I answered. They identified as debt collection for my daughter. I have repeatedly told these people that my daughter does not live with me and I am not responsible for her financial situation. I have also told them I am on Don not call and asked them to stop calling me and remove my name from their list.

They are not respecting me and I have tried blocking numbers only to have them call back on a new number.

I have complained several times to you and filed at least XXXX complaints. Nothing gets done. 
Please help resolve this.
Product: Mortgage

We submitted a loan modification on behalf of our client on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX we received a letter from Bank United stating that they were unable to offer the borrower another modification because his loan was previously modified. Originally when the borrower first submitted his modification in XX/XX/XXXX Bank United advised the borrower that he did not make enough income and that he needed to make more so the borrower was able to get more hours at work to satisfy this request and now the bank advised that a modification is not even an option. Bank United modified his loan in XX/XX/XXXX and he was struggling to make those payments but continued to make those payments consistently until he noticed in his paperwork that he had a balloon payment due in 5 years. It is my client 's intention to save his home however, the bank is putting him in a no win situation because even though they modified his mortgage last year they gave him a short term balloon payment making it impossible for him to pay back the full amount. For this reason we are seeking assistance with a new modification that would amortize rather provide a balloon payment.
Product: Credit card

i went to use my credit card and it was denied. when i called the bank they said a piece of mail was returned so they blocked the account, i asked for a copy of the returned envelope i was told they shredded it. how can you block an account and not retain any proof. i would like to see if the PO returned or someone in my household returned it dont i have that right. is the banking industry immune to keeping evidence?
Product: Debt collection

Inaccurate Information is being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dat of Birt : XX/XX/XXXX SS # : XXXX XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LA XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record XXXX XXXX  XXXX Bankruptcy XXXX Inquiry : XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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