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

Under 15 U.S. Code 1681e ( b ) - Accuracy of the report, it is stated that " 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. '' I have sent Equifax the Payoff letter that i received from XXXX XXXX, the furnisher, and requested the account to be correctly updated to paid as agreed but instead, Equifax deleted the account which also caused damage by creating an inaccuracy and inconsistency between all three of my consumer reports from XXXX and XXXX. This needs to be rectified.
Product: Credit reporting

My soon to be X husband has moved to XXXX XXXX XXXX in XXXX Il XXXX, HIS name is XXXX XXXX XXXX XXXX DOB ... XX/XX/XXXX. Please remove any of his information from my household. I have never lived in XXXX nor will I ever. 

I have lived at my current address for 45 years and will continue to live at XXXX XXXX XXXX ( is my current name until divorce ) ( then it will XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Illinois XXXX DOB XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly notified EQUIFAX that they have violated my Consumer rights multiple times under 15 USC 1681 ( B ) ( C ), 15 U.S.C. 1666b ( a ), 12 CFR 1016.4a and 15 USC 1602 ( b ) just to name a few, and have requested for them to remove the disputed items which are in direct violation of my rights as a consumer, and they have refused to respond or acknowledge my request. I have sent all notices via certified mail, both to the CEO and the dispute department, requesting them to resolve this unlawful violation within 15 days, and no response has been given. These credit bureaus seem to think they can just violate our rights at will, and then ignore us when we attempt to lawfully hold them accountable for it. Congress put the United States Code and XXXX XXXX XXXX  in place for this very reason, to protect consumers from corrupt corporations such as EQUIFAX trampling all over our rights in order to create a monopoly over credit scores. This is both unlawful, unconstitutional, and most importantly, unrighteous. 

The disputed items are : HARD INQUIRES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has incorectly reported a XXXX  day late loan payment on my credit.
Product: Prepaid card

As of XX/XX/year>, I've found many other folks are also posting about NETSPEND, I don't know if they went through hassle of filing a complaint. 

However, I'm so angry at NETSPEND, I wanted to do complaint. I've received at least 2 credit cards, the latest this month, XX/XX/year>. ( Neither activated ) I am not sure, but I feel they might be targeting XXXX XXXX XXXX XXXX  and it caused much confusion as it is sent with as official documentation as new CC in your name. 

On the front page it states, WELCOME VISA etc ... ... THEY SHOW : NETSPEND, XXXX XXXX XXXX, XXXX TX XXXX, as mailing address. 
They also have included an account number. it is so authentic looking, it causes such angst! My daughter had to do all the researching to find out what the heck was going on! First thought was identity theft! 
Then. I doubted my sanity, asking myself did I apply and don't remember? 
It is a prepaid card which makes no sense for ID THEFT! I have plenty of active credit cards with credit score XXXX. 

I hope other folks are filing complaints and something can be done? Thank you so much. 

XXXX XXXX
Product: Checking or savings account

I opened a bank account with Wells Fargo as a second bank and the problems started immediately I tried to overlook the bank erroneous ways but I feel that I was target I had a ach transfer going into this account and a direct deposit. This is the second time wells fargo closed an account with me back in XX/XX/XXXX they did so and later sent a lady saying the account was closed in error now they are doing in again I was told I made multiple complaints and alleged fraud and they refuse to tell me exactly what fraud was committed this is retaliation for complaints I made in several departments for the customer service or treatment I received from not being assisted with disputes etc
Product: Debt collection

I took out a loan through XXXX last XX/XX/XXXX. I have been contacted by a law firm in Texas called XXXX XXXX XXXX XXXX XXXX, saying that I owe {$700.00}. I live in Ohio and this company is in Texas. I contacted XXXX, and my debt was sold to United Debt Holdings ... and the debt was for {$500.00}, verified by XXXX, and UDH. United Debt Holdings told me that they sold it on XXXX XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of Georgia. None of this makes sense since I am in Ohio. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.
Product: Credit reporting

I have attempted over a year to have information on my Equifax Credit Bureau and everytime I dispute they say it is a factual record and belongs to me. I have submitted police report Identity Theft information and still they wo n't remove it. It has been removed from the other XXXX credit reporting agencies, but Equifax refuses. When i ask ow the investigated was determined or show me the documentation they have that this belongs me they can not. The information of the credit cards XXXX is not even my address it is out of state address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have booked a hotel stay at XXXX XXXX in XXXX XXXX TX. 

I used my Apple Card to book it and the day before I checked in at XXXX XXXX, I got charged amounting {$190.00} from a hotel I dont recognized named XXXX  XXXX. I didnt disputed this anyway thinking this could be XXXX XXXX XXXX name. The next day when I check in at the XXXX XXXX I got finally charged for my stay, the merchant name that shows on my Apple Card is XXXX XXXX which is now correct. So, since the first charge is odd for me because the price is not right and I dont recall booking for this XXXX XXXX  I asked the receptionist if she recognized this charge and the merchant. She told me no and the only charge that she processed was the one named XXXX XXXX because thats where we check in. 

So since the receptionist doesnt recognized this charge and so do I. I disputed this to Apple Card Goldman Sachs because why would I pay for something I didnt purchase. Who knows if someone got my card information and book it. Anyway the first investigation result came up and based on the email/mail I got it tells me it is a valid charge and I had to pay for it and no other explanation. So since I am getting annoyed because they want me to pay something I didnt order I asked to reopened the dispute and have them investigate it one more time because its not me who made the purchase to XXXX XXXX. So they investigated again and based on their investigation and the packet they sent to me, it shows that the XXXX XXXX and XXXX XXXX I check in with is the same company and the charge I got from XXXX XXXX is part of XXXX XXXX. So I was like ok fine. They shouldve just told me that in the beginning so I know what is going on and Im not wondering how the heck I got charge for something I do not purchase. Moving onto that messed I paid everything on my account. I never missed payment and my payment history with Apple Card XXXX Goldman Sachs is perfect because I dont carry balance or pay late. 

I tried to reach out apple card and see if they can resolve this issue but I just want to report this just incase they dont end up fixing it or tells me it was my fault where it was truly their fault for not telling me everything on my first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my XXXX credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and XXXX  immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments listed do not align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I received a notice from my lender, XXXX, requiring that I secure flood insurance within 45 days or flood insurance would be force placed onto my account. The date of that letter was XX/XX/XXXX. I contacted my insurance agency, XXXX XXXX, immediately. After receiving some quotes I purchased a flood insurance policy with an effective date of XX/XX/XXXX. 

Fast forward to XX/XX/XXXX : I noticed my statement had a mortgage payment of {$2000.00}, instead of the usual {$1200.00}. I contacted XXXX on XX/XX/XXXX and they informed me that I've been force placed on flood insurance and the difference reflects the deficit in my escrow account. They gave me an email address ( XXXX ) and told me to email the declarations page of my insurance policy. After getting off the phone with XXXX, I immediately emailed the declarations page to them, as well as an email to XXXX XXXX agency alerting them of what's happened. I was told by XXXX that I'd need to wait about a week before calling again so they could request an escrow analysis & my payment could go back to normal. I called XXXX on XX/XX/XXXX at XXXX and spoke to someone who told me that he could see the documents and he would submit for an escrow analysis to be done prior to the XX/XX/XXXX payment date. I'm a new mother and an {$800.00} difference in my mortgage payment is significant. I called XXXX again today, XX/XX/XXXX, at XXXX and spoke with XXXX who told me that yes she could see the request for an escrow analysis put in on XX/XX/XXXX, but that it was denied on XX/XX/XXXX because " it's scheduled to be done in XXXX. '' I asked to speak with a supervisor, so XXXX connected me with XXXX, who also told me that there's nothing I can do because an escrow is not scheduled to take place until XX/XX/XXXX. XXXX told me that I just need to pay the {$2000.00} for both XXXX and XXXX because they won't do the analysis. It is my belief that XXXX has the ability to run an escrow analysis to correct my mortgage payment and have it accurately reflect the refund of the force placed flood insurance policy but they refuse to because it is easier for them to collect an additional {$800.00} per month, for XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax requested documentation from me. During a phone call on that date I needed to speak with an advisor about the items seen on the report printed from AnnualCreditReport.com.  Mid-conversation the advisor told me they couldn't locate me in their system. The advisor then provided me the fax number XXXX. She told me to send a copy of my report along with valid ID and social security card. 

XX/XX/XXXX I called again and another advisor confirmed that my fax was received, but no profile for me existed in the system. She said to wait for a letter in the mail. 

XX/XX/2019, I received a letter in the mail. Equifax requested a form XXXX. In the letter they mentioned that my social security number is associated with a person who is deceased and that this was caused by the Social Security Administration ( SSA ).  Immediately after receiving and reading this letter I called the Social Security Administration. That XXXX document will arrive to me by mail within 7-10 business days from today ( XX/XX/XXXX ). 

The SSA representative debunked the letter statement made by Equifax regarding my social security number being associated with an individual who is deceased. The SSA shows my profile, date of birth, alive and the fact that I have never been on any kind of benefits. Fortunately, they can still see a record regardless. I exist in their system. 

Today I tried to register online at Equifax.com and I wasn't unable to pay for service due to an error. I called the phone number provided n the error message. This phone number led me to the Dispute team at Equifax. 

The dispute advisor wasn't able to find me in the system, again, but she mentioned seeing a note about documents being requested. Secretive she was, I asked her how she saw a note without pulling up an account and she placed me on hold with no return. 

Currently I have an agency assisting with credit repair. My XXXX   and XXXX reports are all accurate and available. I can also call those two credit agencies and they can pull my records with no issue. 

For Equifax, this is a major concern. I have copies of all three reports printed in XX/XX/2019 and again in XX/XX/2019 from AnnualCreditReport.com. Unfortunately, when I call Equifax I do not exist. They can not assist when I have concerns about items on my report. Additionally, when I called yesterday, XX/XX/XXXX, the advisors were unsure of how I received letters in the mail without a record. They weren't able to tell me what department they came from. Oddly enough, the letters are legitimate and someone from Equifax sent them. 

So far I've spoken with 5 advisors ( or representatives ) and two managers in the dispute and account support team total.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX The Date Last Active for this account on XXXX XXXX XXXX Date Last Active for this account on XXXX is XX/XX/XXXX. The Date Last Active for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on XXXX. This account is reporting in collections since XX/XX/XXXX on XXXX. This account is also reporting good payment history from XX/XX/XXXX to XX/XX/XXXX on Equifax. Then XXXX months XXXX past due on Equifax, XXXX XXXX XXXX. Then good payment XXXX XXXX XXXX followed by 120 past due for 4 months on Equifax again XXXX This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all XXXX bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts currently showing and listed on my XXXX and Equifax credit report are lost/stolen credit cards : Total Visa : XXXX, XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, {$610.00}, XXXX XXXX XXXX XXXX XXXX XXXX, {$210.00}XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} and XXXX XXXXXXXX {$250.00}. The following hard inquiry is a fraudulent and unauthorized hard inquiry : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have filed a fraud claim on XX/XX/XXXX and still have not heard back anything from Bank of America. I have called numerous times and trying to get this resolved. My account is missing over {$1400.00} and i still haven't receive my money back due to fraud. I need someone to address this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-Bankruptcy XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ive been trying to get my late payments removed from my XXXX, XXXX, XXXX and XXXX XXXX Advantage cards for months. I keep getting the run around and my score keeps suffering from this misuse. Its getting bad to the point that this is impacting my JOB ; my employment status. Guess what, no job, no one gets money because I would have to file bankruptcy.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number : 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ). 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 around XXXXXXXX XXXX XXXX Time, Paypal Inc. permanently limited my account with the violation against their terms and condition. I already emailed them to review my account as I did not use paypal on illegal services/activities but as of the time now my account is still limited and can not make transaction. Still can not withdraw funds and make transaction online. Could you please email paypal - XXXX to review and restore my account.
Product: Debt collection

This is a debt with XXXX, which was sent to a collection agency ( Convergent ) I called in XXXX to verify the amount owed. I was first hung up on which was a Saturday. I called back the following Monday and spoke to a rep named XXXX XXXX. I was given the amount owed of XXXX ... I advised I did not have XXXX she then gave me a settlement offer of {$10.00} ... I made a payment of {$50.00} XXXX XXXX, and {$650.00} XXXX..when I called in to pay the balance of XXXX on XXXX, she then adv 'd me that XXXX sent in more charges of the phone itself that not had been fully paid ... the balance then came to {$1300.00}, which again made a settlement offer on that of {$1100.00} ... therefore now XXXX seperate settlements on the same account. I paid {$100.00} on XXXX XXXX, 2016, {$100.00} on XXXX XXXX, and {$100.00} on XXXX XXXX, 2016 which leaves me a balance of {$840.00}. I called today XXXX/XXXX/16 to verify my payments. The rep then told me there are more added charges from XXXX, when I had infact called XXXX, and the XXXX was the last of the charges. The charges that were added when I called on XXXX, she is trying to put back on by balance. 
This company is a lie. I am so upset. It seems like everytime I call, they add more charges
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan and was denied over XXXX months later the company illegally put panels on my roof that was not approved by the city of XXXX nor approved by myself thus they stared automatic withdrawals of XXXX
Product: Debt collection

We moved. Cancelled direct tv service with XXXX. We cancelled well before the next monthly billing cycle. XXXX charged me for an extra month anyway. The rep i closed the account with warned me that XXXX is aggressive and will try to charge you an extra month. And she instructed me not to pay it if they do try to extort more money out of me. And she said she documented in the file that I cancelled in time to avoid another monthly charge.
Product: Credit card

Wells fargo denied fraud claim of XXXX cents denied for me to speak to a supervisor my card was skimmed along with my XXXX  benefits that were taken as well and have proof of on same day that the walfare office investigated and approved and wells fargo agent rude as well I worked hard for my money this is unjust