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

Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a letter from an Attorneys office Stuart-Lippman on XX/XX/2019. The letter stated that I own {$780.00} dollars to XXXX for repayment to one XXXX XXXX XXXX for damages from an uninsured vechicle. Driver being one XXXX XXXX whom I don't know at all! I haven't had a car nor a drivers license in about 20 years. 
The letter has me, XXXX XXXX as the vechicle owners name. I havent owned driven a vechicle in over 20 years. There's a file # XXXX
Product: Debt collection

I fraudulent debt collection XXXX I was making a payment to on a car payment some way I got revenue group on the line I do n't know how the intercept payment but my car was reposted because the payment went to this company. I am XXXX and XXXX daughter is the representive on my debit card so I had to call her to make payment.Payment was made but we found out revenue group got payment they stated I called them not he line but I would have never called them since this claim ins ligation with workers comp.They fraudulent received payment which caused my car to be repossessed.and they. Refuse to make amends I asked them since 2014 to refer to workers comp company. they caused my car to be repossessed.and XXXX to me, In XXXX and received XXXX for this.
Product: Checking or savings account

I believe my identity was stolen. I never opened up or even heard of the bank money lion until they took {$290.00} out of my bank account. They wont answer phone calls or emails. I just want my money back.
Product: Checking or savings account

After having issues with a cancelled gym membership and in ability to deposit cash into my bank account i was told by a banker that my only options where to have someone zelle money into my account and give them my cash tips or close my account and go with another bank. i chose to close my account and opened a different bank account with a new bank and was told after the conclusion of my claim for the gym i could transfer my money to new bank and the account would be closed. this call took place i believe on the XXXX of XXXX and i opened and used the reimbursed money with in the next few days. i had filed 4-5 claims over the last months against the gym and was told by the bank they put a stop payment on anything coming from them and the gym changed how they were charging the account so it kept going through. after switching banks i put through a change of direct deposit with my work which got messed up so it still went to my old account with Wells Fargo ( which should have been a closed account at this point ). the account was never closed and was charged again by the gym and some other recurring payments " XXXX, XXXX XXXX  ect. '' which over drafted my account more than the total of my payroll check could cover. i called again to try and resolve the issues1 the gym still charging me 2 the account still being open and 3 my payroll check going into the negative account and how to get that money back. i was then transferred to claims department and told the account was not closed because i needed to cancel all of my bills before i could close it which does not make sense to me as they reason i was closing the account was they were allowing the gym to continuously charge me month after month and closing my account should then mean there's no account for them to charge in any way possible but they refused to close it and told me to get in contact with every one of my recurring bill companies and cancel the payments before they will do anything. i have tried on multiple occasions to close my account with planet fitness ( the gym i was being charged by ) and was told on multiple occasions it was closed then after the 3rd time filing a claim and calling the gym i was told i needed to drive 2 hours to a different branch to cancel ( this is what caused me to have wells fargo put a stop payment on they charges in the first place ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.
Product: Credit reporting or other personal consumer reports

I received an alert from TransUnion that a hard inquiry was made on my credit report from XXXX XXXX XXXX XXXX I tried calling the 1800 number provided on the report for the bank but could not get through due to their phone system not working. I did not apply for any credit nor do I shop at XXXX. The date of inquiry is XX/XX/year>.
Product: Debt collection

Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an alert from TD financial on XX/XX/2022 and they had no knowledge at the time. Today on XX/XX/2022 a new address came up, and I called XXXX and transition, and they said that it is linked to the TD financial account. XXXX said that I needed to file a complaint with trade commission, and they have requested to remove the address from my credit.
Product: Mortgage

Homeowner is currently foreclosure and, by and though his XXXX counselor, XXXX XXXX XXXX, has submitted a completed loss mitigation package. In XXXX XXXX XXXX XXXX confirmed with Nationstar that a full and complete modification packet had been submitted. On XXXX XXXX and XXXX XXXX, XXXX XXXX contacted Nationstar to re-affirm that the loss loss mitigation was complete and under review.Meanwhile, the foreclosure sale had been reset seven ( 7 ) times in anticipation of Nationstar making a decision on the loss mitigation application However, before Nationstar informed Homeowner whether he was approved for a loan modification to reinstate the loan, Nationstar informed Homeowner that the loan was transferred to Sharepoint on XXXX XXXX, XXXX. Homeowner has since been advied that the will need resubmit his application for a loan modification to Sharepoint. Because of Nationstar 's blatant disregard for the servicing loss mitigation rules, Homeowner is at risk of losing his home. Furthermore, Nationstar failed to advise client or his XXXX Counselor as to whether Homeowner was approved or denied for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my XXXX credit report online for the first time in a while. I had a credit card from XXXX that was paid in full & closed. I saw that the main bank of this old card is STILL MONITORING me & my credit monthly for the past year ( that i can see from XX/XX/XXXX to current ) I called Synchrony Bank with the number shown- I got bounced around from agent to agent & eventually put on hold for over 40 minutes. With absolutely NO answers as to WHY a company i no longer do business with or have an active account with is " watching & monitoring '' me & my credit. This is NOT OK- I want this bank REMOVED from having access to my personal info & SS #. There is absolutely no excuse for suddenly since XXXX starting to have " inquiries '' about me - I have no applied for ANY credit cards in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My paid subscription directly with Experian is showing a 53 point higher credit score (  Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
Product: Mortgage

1. PMI are junk fees 2. Property value ( XXXX, XXXX, and multiple others ) shows value exceeds requirements for PMI removal 3. PMI should be removed ASAP
Product: Credit reporting

In XXXX 2015, I terminated a lease early with XXXX at XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XXXX 2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both XXXX and Equifax to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.
Product: Credit card or prepaid card

Between XX/XX/2023 and XX/XX/2023, I was either in XXXX or traveling between XXXX and the United States. On XX/XX/2023, an email Weekly Account XXXX notification was received that reported no new posted account activity. On XX/XX/2023, multiple account email notifications were received that reported : 1 ) {$900.00} had posted to the account 2 ) Six ( 6 ) transactions had posted to the account These transactions were fraudulent. When I saw these email notifications, I immediately logged into the Barclay XXXX website and locked the credit card on XX/XX/2023 and received an email notification to confirm that the card had been locked. I then began the process of notifying Barclay, the vendors listed in the transactions, and the XXXX XXXX Police Department about the fraudulent activity. 

Of the six ( 6 ) total transactions, five ( 5 ) transactions were removed from my statement, but one ( 1 ) transaction for {$290.00} remained, with Barclay claiming that this was a valid transaction even though it was and is fraudulent. I closed my card with Barclay, but they want me to pay this fraudulent charge. 

I submitted an appeal with Barclay on XX/XX/2023 over the phone, where they verified that the address used in this transaction is not and has never been associated with me or my account. I also faxed a number of documents and signed statements to attest that the address and charge are not mine and to provide evidence that I was not even in the country at the time. 

I was told that a decision would be made in 7-10 days. Well after 10 days had passed, on XX/XX/2023, I called Barclay to verify the state of the appeal and was told it would take another 7-10 days, which would require me to pay the fraudulent charge due to the statement due date. 

I think Barclay is intentionally dragging this out to force me to pay the charge or ruin my credit, at which point they'll use the payment to conclude that the charge is not fraudulent even though it is.
Product: Credit reporting

Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two months ago I checked my credit report as I was preparing to shop for a house and realized there were multiple inaccuracies as well as FRAUD associated with my report. Currently, there are FRAUD accounts on my report and one has been placed in collections. The accounts are as followed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, J.P. Morgan Chase Bank, and XXXX XXXX XXXX. I never authorized for these accounts to be open nor have I ever opened these accounts myself. All of the accounts stated have been open against my will and need to be deleted immediately as I am a victim of Identity Fraud. I've reached out countless times to XXXX and the banks in question to get this situation resolved and no one seems to be budging. They refuse to delete the accounts in question, they refuse to do there own investigation, and insist I am responsible for the debt when in reality I AM A VICTIM OF IDENITY FRAUD. I've filed an identity theft report and sent it to all banks in question as well as XXXX. They've all been aware of the identity fraud in question. 

The dates and totals of the identity theft are as follows : XXXX XXXX XXXX Was opened on XX/XX/XXXX with a {$2300.00} credit limit and is currently being shown as a Charge-off. 

XXXX XXXX XXXXXXXX : Was opened on XX/XX/XXXX with a {$1100.00} credit limit is a currently closed and 150 days past due. 

J.P Morgan Chase Bank : Was opened on XX/XX/XXXX with a {$500.00} limit and is currently being shown as a Charge-off with a past due balance of {$720.00}. 

XXXX XXXX : Was currently opened XX/XX/XXXX and is currently being shown as a charge off. The credit limit is not shown on my report. 

As you can see there is clearly a pattern as 3 out of the 4 fraudulent accounts were all opened around the same time in XXXX. ALL OF THESE ACCOUNTS WERE OPENED AGAINST MY WILL AND I AM A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I went to my bank to initiate a {$6000.00} USD wire transfer to coinbase. They are an online cryptocurrency exchange. They promised that it would be processed and credited to my account in one business day. 

It is now XXXX XXXX and my account has not been credited by coinbase. I have called numerous times in the past weeks and their customer support is a joke. They can not help you with anything, only escalate your case to a 'specialist ' which in return sends you an automated e-mail. You can only contact this 'specialist ' by e-mail, but when you attempt to, they never respond to you. 

My money is in limbo and I can not do anything. I can not get an answer for why my money has not been credited and where it is, I am told to simply wait. I have been waiting for now approaching close to 1 month. 

They also are continuously accepting new bank wires even though they acknowledge they have a massive amount of backlogged wires from XXXX. 

My Case ID is : 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$520.00} Account Name : XXXX  XXXX  Account Number : XXXX {$670.00} Account Name : XXXX XXXX Account Number XXXX XXXX {$10000.00} Account Name : XXXX Account Number : XXXX {$17000.00} and list of Inquiries. 


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 card

On XX/XX/year>, I called AMEX customer service and spoke with three representatives. I was seeking to cancel my account and enter a payment arrangement. I was informed that the payment arrangement offered was not negotiable. I attempted to negotiate ( the offer from AMEX was to make payments for 48 months at 9.9 % interest rate ; I accepted the interest rate, and requested 60 or 72 months as the term, to no avail ), and was somewhat abrasive, and perhaps even rude with customer service reps. Ultimately, after speaking with XXXX, who gave a Rep ID of XXXX, I relented and attempted to accept the offer that was initially made to me. At that point, I was informed for the first time that the system was down, and that I would not be permitted to enroll in the payment plan at this time. I asked what was wrong, and whether the system was actually unable to enroll me in the plan. XXXX responded that the system was accepting enrollments, but that it was having " trouble '' ( which was never elaborated on in a meaningful way ) processing payments. I informed him that despite the risks, I was more comfortable proceeding now rather than waiting. XXXX refused to enroll me in the payment plan. After several refusals, I relented and agreed to call back at a later time. 

Based on the overall tone of our conversation, the moment in which XXXX chose to reveal to me that he would be unable to process my enrollment on that phone call, and the scant details provided, I believe that there was no problem with the system, and that XXXX refused to enroll me in the in retaliation for my rude conduct earlier in our conversation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the Zelle 's handling dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking there transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am seeking the removal of several unauthorized credit inquiries from my credit report. After reviewing my credit report from your bureau dated XX/XX/XXXX, I discovered thirty-nine unauthorized inquiries. These inquiries are detailed below by bureau : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate my claim in accordance with the Fair Credit Reporting Act. If any unauthorized inquiries are found, remove them promptly and provide me with an updated credit report. Thank you for addressing this matter swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA, XXXX Date:XX/XX/XXXX To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, XXXX you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions!. 

I am attaching my ID Best Regards,