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

I have been calling and writing to Equifax for almost exactly a month now. I recently canceled my paid service due to the ongoing issues. 
To begin : End of XX/XX/2023 - each time I log into Equifax, I would receive an error message when I tried to view my credit score, and/or if I unlock or lock my credit profile. ( I will attached the error message ( s ) to this complaint. 
I called numerous time to get the issue fixed to no avail. I have been transferred and placed on hold for hours at a time and no one knows what is going on. There are still open unresolved tickets and this issue is affecting my daily life. Examples of ongoing issues : 1. I pay for PAID services such as Equifax, XXXX and myXXXX : all of my other credit files such as XXXX and XXXX often updates and refreshes. However, I get an error message that each company can not pull my Equifax credit report and to contact equifax for more information. 
2. When my bank tried to pull my credit, I was met with another error that my credit could not be pulled, and to contact equifax directly.

3. I have called directly to Equifax, verified myself, and advised the customer service representative to try to either lock and/or unlock my credit file so they can see the same error message that I see. Each time this happens the agent " submits an escalation '' and promises that I will be called back. 

Escalations have been submitted weekly since XX/XX/2023 and I have NEVER been contacted back. I sent a certified mail with a screenshot of the issues and it was confirmed to be received on XX/XX/2023 and I have not gotten a call back nor has the issue been resolved. 

Yesterday, XX/XX/2023 I called in and the first agent ( as none of them do ) had no idea what I was talking about and put me on hold for over XXXX minutes never coming back on the line to reassure me that she was looking for a supervisor. None the less, the supervisor XXXX came on and basically advised me that I am lying and that there is no internal issues going on with my account, rather than researching my account to help me find the root of the problem she basically demands and tells me that there is no issues. I advise her to try to lock my account to see the ongoing issue. She did not try to assist me at all, and if I were a customer that just " goes with the flow '' I would have never gotten another escalation sent. The agents and supervisors that work for Equifax were not helpful to me, and should all go through additional training. My main complaint is with the most recent supervisor XXXX that claimed I am lying and refused to initially assist me. I will continue filing complaints against Equifax until my issue is resolved and supervisor is reprimanded for falsely accusing me of lying. 

In a world in which access to credit and having the ability to lock/unlock and freeze/unfreeze credit is so very important and to have that taken away by an internal issue ( based on what previous supervisors have advised me of ) I am requesting to have someone with EQUIFAX to contact me immediately to resolve this ongoing, lingering issue resolved once an for all.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I was approved for the Wells Fargo Visa Signature card. The card came with 2 bonus offers : 1. XXXX points ( worth {$200.00} in statement credit ) after spending {$1000.00} within the first 3 months. 2. 5x points on gas, grocery, drugstore net purchases for 6 months I successfully completed the first offer XXXX XXXX points XXXX by my XXXX/XXXX/XXXX statement on which it showed a balance of {$4500.00}. I continued to take advantage of the remaining offer of 5x points by making purchases at grocery stores. On XXXX/XXXX/XXXX I logged onto the WF mobile app after having a transaction declined to find that my account had been closed by Wells Fargo. At that time of closure I had XXXX points pending on my account equivalent to {$160.00} in statement credit and had yet to be rewarded for successfully completing the first bonus offer ( XXXX points ). Thus, I had XXXX in pending rewards that I had earned while the card was open. When I called the WF Executive Office on XXXX at XXXX EST the representative noted my account was closed for rewards abuse. WF misled me by indicating that rewards would be earned in the amount of 5x for all purchases made at grocery, gas, or drugstores for the first 6 months. WF never indicated a cap on rewards or that spending more than they deem acceptable would result in account closure. I never spent more than my credit limit and made on-time payments. I feel that I was misled and treated unfairly.
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX that there was a negative mark on my credit report. I had no idea what it could be about. I took a look and saw that it was from Merchants Credit Guide. I called the number listed, and they informed me that I supposedly had medical debt from an appointment to XXXX XXXX XXXX XXXX. I had never received any notice from XXXX that I had any sort of bill owed to them. I am unaware if they sent a bill to my father or not. ( Note, I am a XXXX XXXX XXXX who lives at home with her parents, is still on her parents ' insurance, and has never paid her own medical bills- why would I think to look to pay any sort of medical bill ). Regardless, I, myself, had never received a bill or any sort of communication from XXXX XXXX After doing some digging, I found that I could dispute this claim on XXXX, XXXX, and XXXX. I filed disputes on all three websites on XX/XX/XXXX. XXXX deleted the debt from my credit report on XX/XX/XXXX. XXXX verified the account as mine on XX/XX/XXXX. XXXX certified that the account was mine on XX/XX/XXXX. I am incredibly frustrated because I am aware that the account is supposedly mine. What I am upset about is that neither XXXX nor XXXX investigated whether or not I had received a notice about this alleged debt to XXXX XXXX which has led to a negative effect on my credit report and score. These companies are heartless, thoughtless, and quite frankly terrible in regard to consumer services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXXXXXX XXXX  XXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
Experian - I called them and same as mentioned aboved
Product: Debt collection

they ruined my credit showing many months of collection on a debt. third party collector Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$360.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$360.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide Collection as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have had a bank account with Wisely for over 3 years before this. I had lost my card and have locked the account but had to unlock for a certain time because I had to make a transaction. While it was unlocked, I saw XXXX unauthorized DDS transactions made by XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/29 for an amount of {$1300.00} and {$1300.00}. I called Wisely phone number and filed a dispute against this charge and they blocked my banking and online account hoping that this would stop them from taking more money from the account. 
However, days later on XXXX the XXXX companies were able to make the same transactions again but a higher amount. I called and asked why they were able to take this money and they said that they can not do anything about this even though the account was locked and I flagged these XXXX vendors earlier. I usually get notifications too on transactions over {$200.00} and I never got a notification on this. So I proceeded to dispute this again and asked them to overnight XXXX my new replacement card. 
On XXXX, XXXX XXXX was able to take out money again and I was getting XXXX because there was nothing that Wisely was doing to stop these transaction from going through. I called and asked them to send my money to a different bank account but they said that they can not even do it and that I would have to go to a bank to transfer that money. I filed a 3rd claim and then later on got a new card and unlocked that card. 
I thought that since I got a new card and, in turn, a new account, that they would not be able to transact more money but XXXX XXXXXXXX XXXX took out {$1500.00} on XXXX. At that point, I had emptied by bank account and transferred all money to my parents. But in total, I lost more than {$8000.00} and have disputed all these transaction and Wisely has done nothing about it. I don't know this exact number because Wisely has blocked my online account again and I can see the transaction made. They said that these disputes take up to 90 days so I am not sure what I can do now.
Product: Mortgage

Huntington Bank filled a lien on my mortgage in XXXX that is an error. The bank was aware of the error and they willing and knowing have failed to release the mortgage, when the error was found in XXXX. 

I have made several contact attempts with XXXX XXXX, XXXX XXXX branch manager, who provided me proof of the error, he then contacted the proper departments ( XXXX XXXX at XXXX XXXX XXXX main office in XXXX Manager ) to resolve this and XXXX nor I have not had any luck or feedback for getting this resolved. 

At this point I am in jeopardy of losing the sale of my property due to this material fact that has clouded my abilities to settle this estate. 

I am requesting the discharge to be done immediately and submitted to XXXX XXXXXXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Due to XXXX county is several months behind in recording and would cause further delays. 

Thank you XXXX XXXX ( XXXX ) XXXX XXXX
Product: Bank account or service

I pay rent every month for my off-campus college house, collecting rent from my XXXX other roommates. At the end of every month, I deposit {$2800.00}, collected from my roommates, into my checking account to pay rent. In XX/XX/XXXX, my roommate was late on his payment so I transferred {$530.00} into my checking account to cover his portion of rent. When he paid me in cash a few days later, I deposited the money into my checking or savings account at a PNC branch location. When I went to pay rent a month later, I noticed that the {$530.00} deposit made in XX/XX/XXXX was missing from my account. I opened a dispute with PNC and their department said they could n't find anything. I asked if they could do anything further and they said without a deposit receipt, there was nothing else that could be done. I proceeded to ask, " If I handed a teller {$530.00} in cash and did n't receive a deposit receipt, then that teller could essentially walk away with {$530.00} and I ca n't do anything about it? '' Their answer was " Yes, that is correct. '' I found this to be very upsetting because, as a college student, {$530.00} is a lot of money. Their only solution was to find the deposit receipt, which I did n't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring service with Equifax. I am unable to access my credit report due to some type of error within their system. This has been an ongoing problem with my account for well over a year and a half. I temporarily canceled the service last year due to the frustration of the problem. I was able to recently sign back up and gain access to my credit report but shortly after, the same problem started to reoccur. As a result, I am no longer able to access my tri-merge report with any of my other credit monitoring services i.e. Credit Check Total due to the system error within my Equifax file. I have spent countless hours making phone calls to Equifax to no avail. They continuously send me from department to department and nothing is resolved. They tell me things like, a ticket will be created and escalated and should be resolved within 7-10 days. I have waited several 7-10 day periods and still, the problem exists.
Product: Debt collection

I have been sick for some time now and people were in and out of my home and had access to a lot of my personal information. My health took a huge turn around and I noticed all these collections coming in the mail and checking my credit. I disputed this and uploaded an identity theft report from the government website and this company convergent continues to harass me. They sent some type of bill with an amount saying that verifies its me. I DID NOT OPEN THIS ACCOUNT ITS FRAUD
Product: Debt collection

My son went to the hospital and they used old information in the computer.I haven't been there and he has not been on my insurance in many years.
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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. 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: Checking or savings account

My debt card was stolen. I filed fraud charges and was denied. I filed a police report, proved it was fraud, and they are still refusing to refund the money.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from Transunion, XXXX and XXXX I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized personal loan which was taken out in my name with XXXX XXXX XXXX in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from XXXX 's XXXX. I fill out all of the paperwork requested of me by XXXX XXXX XXXX, I had a police report file as well as the letter from my bank stating that no money from XXXX XXXX XXXX  was deposited into any of my accounts and was sent to XXXX XXXX XXXX  Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with XXXX 's XXXX  Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from XXXX XXXX XXXX, accept for a pre-printed denial letter generation. Please help me to clear up with situation with XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX