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

An account was originally opened with XXXX XXXXXXXX XXXX XXXX. This account first went delinquent in early XXXX. Payment history provided by Equifax shows the account as 90 days past due in XXXX XXXX XXXXXXXX. Despite this, Equifax lists the first delinquency date as XX/XX/XXXX, a clear contradiction to the payment history. The account was fully settled in XX/XX/XXXX. As of XXXX XXXX  this account is still reflected on my Equifax credit report, even though it has been more than 7 years since the original delinquency, thereby contravening the 7-year reporting rule as set forth by the Fair Credit Reporting Act ( FCRA ). 
XXXX : Account was opened with XXXX XXXX. 
Early XXXX : Account first became delinquent. 
XX/XX/XXXX : Payment history on Equifax shows the account was 90 days past due. 
XX/XX/XXXX : Equifax incorrectly lists this as the first delinquency date, which is inconsistent with the payment history. 
XX/XX/XXXX : The debt was fully paid off. 
XX/XX/XXXX : The account still appears on my Equifax credit report, in violation of the 7-year reporting limit under FCRA. 
A dispute was initiated with Equifax regarding the incorrect reporting and continued presence of this delinquent account. 
Equifax updated the account based on information from XXXX XXXX but did not correct the conflicting delinquency date nor did they remove the outdated account information from my report. 

I urge the CFPB to closely examine the inconsistent and potentially inaccurate reporting actions taken by Equifax and enforce appropriate measures to ensure compliance with the Fair Credit Reporting Act.
Product: Checking or savings account

Last Tuesday, XX/XX/XXXX, I attempted to buy gas with my debit card and was told it didn't work knowing full well that I had plenty of money in the account. I came home, tried logging into my online banking and was logged out. I called and spoke to a Fraud specialist at TD Bank and they told me that at XXXX that afternoon, some one pretending to be me went into a TD branch in XXXX and they closed out my card and had a new one created for themselves while impersonating me. They also attempted to use the new, fraudulent bank card at a XXXX XXXX XXXX branch nearby but they were unable to take any money out The following day, the XXXX I went into my local TD branch and I was able to close my old bank account and transfer the funds into a new account. I met with a XXXX police officer and filed a police report. 

This week, yesterday the XXXX, I came home from work around XXXX to find 8 large furniture boxes from XXXX in my driveway. I did not order this so I called the XXXX police and went to a drs appointment. When I returned the boxes were gone. A cop had driven by my house around XXXX and they were gone. After my appointment I met with a police man to file another police report for the new situation. I called XXXX and talked to their fraud department. They told me that the order was placed XX/XX/XXXX for about {$4000.00} worth of merchandise from XXXX. They have already had 2 bed frames with headboards delivered and stolen from my house XX/XX/XXXX. There are still items coming so XXXX tried to redirect the items to a XXXX center. They also alerted me that these people created a new gmail account using my full name. They also opened a XXXX XXXX XXXX account although I can not see this on any credit report. I also froze all of my credit last week when this happened.
Product: Credit card or prepaid card

I paid off the balance of this account and closed the account, and they said i owe a {$27.00} late charge. they have been charging me a late fee on a late fee that now totals over {$250.00} which i refuse to pay. this is ridiculous that this fraudulent charge should affect my credit score. I paid them what i owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I got help with my credit report. Some disputes with made on my XXXX student loan accounts. I called all the credit reporting agencies in XX/XX/XXXX to have the remarks removed from those accounts because I was not disputing them. All of them with the exception of Equifax removed them. I am purchasing a home and my closing date is this coming Friday XX/XX/XXXX. However, I received notification that my credit report had some false information on it and I needed to have it resolved before we go to closing. So on XX/XX/XXXX I called Equifax to once again have the dispute remarks removed from my account and they gave me the hardest time. I was told that they removed them and that it would take a couple of days to reflect on my report. I waited a few more days and my agent did a soft pull and the remarks were still on my report. I called Equifax again on Friday XXXX XXXX 4-6 times and I spoke to several people from XXXX until XXXXXXXX XXXX I was able to speak with a supervisor named XXXX from their Office of Consumer Affairs department. His employee ID is XXXX and the reference number is XXXX. Upon speaking with him he assured me that the problem and been rectified and that it would reflect immediately on my credit report. I then purchased the myequifax product to be able to obtain my report. Come to find out the installment accounts were not listed at So I called Equifax again on XX/XX/XXXX at XXXXXXXX XXXX to find out that my student loans accounts were being reported as closed and the comments states that my student loans are being paid through a financial counseling plan. That information is completely false I have never used a agency to to pay off any debt at all. After an exhausting two more days of speaking to several representatives and no one was able to fix this problem. They are blaming XXXX for reporting this information so I called XXXX and they state that they have not reported any of the information that is on my Equifax report that the info is false and incorrect. XXXX sent me several letters stating that my account is in good standing and my next scheduled payment date. They have also submitted two letters to Equifax asking them to remove the info that they are reporting as it is false. This Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX I had the worst ever experience with Equifax 's manager XXXX who would not supply me with his employee Id number or a supervisors name. At this point I am going to be homeless because I will not be able to close on my house this Friday due to the false and misleading information reported on my Equifax report the other two agencies have supplied the correct information. This is very upsetting and I hope that someone will address this as expeditiously as possible. My family and I are about to be homeless because of bad reporting and mistakes from Equifax.
Product: Checking or savings account

Hello! 
On XX/XX/XXXX, I had a total of 18 transactions that were unauthorized taken from my Chime spending account. These transactions totaled {$1400.00}. I immediately contacted Chime and the vendor. I submitted to Chime a conversation that I had with a live rep at the vendor, XXXX XXXX XXXX, who confirmed my last transaction with them was XX/XX/XXXX. I submitted all the required documents to Chime. Chime denied my claim to them in a matter of three days. When I called to find out the exact reason, absolutely no one had a reason. The rep with Chime kept giving me the run around and couldnt even find a document on file that said why. I immediately reopened my claim. I also did more research and saw that the vendor posted on their website they were reportedly taking charges from XXXX of XXXX, the time frame of 1-15, that they said they never took from patrons. When I reopened my claim, I also sent to Chime proof that if the vendor was claiming this was the reason for the transactions being taken now, I sent over more proof of my bank statements from another card that they did take the charges from me already. This vendor had no reason to take this amount or anything from me. Chime reopened the claim .... and denied me again in less than a day! They sent me no documents, nothing. Absolutely unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when TransUnion, XXXX, and XXXX are reporting different dates of last activity XXXX and XX/XX/XXXX. Also, the account was included in bankruptcy, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? 

I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. 

It does not meet the fair Credit reporting act regulations. 
I feel that this account is affecting my credit report
Product: Debt collection

I sent XXXX a letter asking for verification and validation of account number XXXX balance of XXXX. I was sent back that it was verified. with no proof of singed documents and no proof of any said investigation.
Product: Consumer Loan

This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX1970
Product: Mortgage

Have been repeatedly requesting the payoff of this mortgage since XXXX XXXX. My Realtor and Closing attorney have also requested. We have attempted to escalate several times and still no payoff has been sent. This payoff must be given today or the transaction will not close. It was suppossed to close orignially on the XXXX of XXXX. All Selene Financial says when we reach out is the payoff will be sent today. Each day no payoff is sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX  Account # XXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!
Product: Credit card

I had a fraudulent charge on my Bank of America charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry dated XX/XX/2018 from CREDCO.
Product: Credit reporting, credit repair services, or other personal consumer reports

paramount recovery system is a fraudulent account on my credit report and i tried to dispute this with XXXX  and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. XXXX XXXXs the only one given me trouble and its not just this account also XXXX XXXX XXXX, XXXX account XXXXthese accounts are identity theft and are fraudulent activity that i reported to XXXX  and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have XXXX  tell me that they are not going to remove it XXXX and XXXX  both removed it only XXXX  is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please
Product: Checking or savings account

To whom this concerns, I have contacted Bank of America a few times about this same issue. ( Actually even the Risk Closure Department ) So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Bank of America. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Risk Closure, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Bank of America. When i further asked why and explained to the phone banker that i have never opened these accounts with Bank of America. She sent me to Risk Closure. Risk closure said my accounts were closed, i advised them that i have never opened an account with Bank of America in my life, and that i just now have been trying as of this week. The rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Risk Closure person, that is a mistake because i have never opened an account with Bank of America. The Risk Closure person then transferred me to Check Fraud. Which filed a claim. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Bank of America but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I wouldnt have ever done any risky behavior. Had I known sooner I would have advised them. My email was also hacked and I found that out as well. No one assists me at Bank of America. I never heard back from Check Fraud either. The risk closure department stated Check Fraud has  to advise them to remove the closure notes. Secondly i have also received in the previous response from Bank of America that they are working on this issue for me that once i send them a signed affidavit they will continue their research. I sent all the required documentation, that clearly shows i am a victim of identity theft. The whole issue is that these accounts were opened without my permission, and once they were opened i was not made aware of these accounts until someone told me in their customer service. Had i known sooner i would have filed identity theft claim earlier. 

Lastly the address that is being reported on these accounts i never lived at. In your latest response you show an address of " XXXX XXXX XXXX XXXX TX XXXX. '' I have not ever lived at this address. Whom ever did must have been the one who forwarded my mail as well, i just recently got USPS to fix my mail to actually receive mail now. My emails were also hacked and i just fixed those accounts as well. Thank you for further reviewing. I appreciate Bank of America 's assistance in resolving this matter.
Product: Debt collection

TELERECOVERY Original creditor : XXXX  WALK-IN CARE {$360.00} Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Account type Collection Department / Agency / Attorney Already contacted them and asked to to validate the account twice and still nothing
Product: Credit card or prepaid card

I physically have the card in my possession. 

XXXX  has confirmed this was a fraudulent transaction and forward the invoice confirming fraud/identity theft. 
Received 3 phone calls and 2 text messages from : XXXX Saturday XX/XX/XXXX @ XXXX " Hi this is XXXX XXXX calling from XXXX  regarding your refund request. Once you see this message kindly call back. '' Saturday XX/XX/XXXX XXXX sent a link to an application that would give them access to my cell phone and tablets. 

Serve has enabled idetity theft and is now enabling the sammers and id thefts to obtain my personal information and they are now contacting me directly with more scams as shown above. The number is a XXXX  number and not anyone associated with XXXX. 

I purchased this card in-store at XXXX. I did not use this card after I purchased it, I did not authorize anyone to use the card and I did not give the card details to anyone. XXXX has acknowledged that this was a fraudulent transaction and opened their own fraud investigation case. They also provided the invoice of the transaction. My identity was comprised and my money was stolen by this individual. I have my own XXXX XXXX ; why would I go to a store to buy a pre paid debit card to make an online purchase at XXXX when I can simply log into my account and use my credit card? I do not live in that state, that is not my name and I have the physical card in my possession. This was fraud and you have been made aware of this fraud. Please see attached invoice for proof I did not authorize anyone or make this transaction myself. I do not know the person listed on the invoice and i did not give them my card details or permission to use my serve card. 

Web order # XXXX : XXXX Card was purchased in-store by me at XXXX  XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX XXXX @ XXXX on XXXX XXXX, XXXX 

Serve  was notified of this non-authorized transaction at XXXX on XXXX XXXX, XXXX Serve has provided false information and failed to provide any evidence or proof that this transaction was authorized. I have submitted the physical card, the store receipt, the XXXX  invoice and my statement that i did not make this transaction nor authorize anyone to make a transaction. Serve  has not contacted XXXX  or attempted to prevent this from happening in the future. Serve has not provided any evidence in an investigation and has failed to be unbiased when reviewing the documents I have sent. Serve is either profiting off id theft or their employees are actively a part of the scam.
Product: Mortgage

On XX/XX/2022, the mortgage payoff amount was tendered for full satisfaction to Wells Fargo Home Mortgage by notary presentment registered mail XXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$110000.00} Bill of exchange Money order # XXXX.
Product: Mortgage

Roundpoint continues to misapply mortgage payments. Also, there is no clear path through the automated phone menu to address concerns that aren't payment related. It seems they are actively avoiding accepting consumer phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute regarding a bankruptcy on my credit report with Experian many times and they continue to close out the dispute stating that it has been verified but never provide me with documentation as to how they verified this. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : /XXXX I also sent a letter to the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Experian via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Experian today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and I cant get through to anyone. Today they closed the dispute and once again and failed to provided me with information as to how they verified the Bankruptcy. 

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Experian if this is not resolved.
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 USC 1681. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX 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.