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

I have called them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 trying to get access to my account. When I try to log into the website, it says " Sorry, we're unable to process your request right now. Please try again later. ". When I try their app, it gives the same thing with a phone number to call. Calling the phone number gives me a robot to reset my password but resetting my password does not fix the issue. After maybe XXXX minutes of trying to get through the robot, I can finally speak with an agent who also tries to reset my password. Once I can get a word in and give all the details needed, they try to reset my password again which doesn't work. Once that is done, they tell me they will put in an escalation ticket but nothing ever comes from that. So far, I believe I have reset my password close to XXXX times just trying to get access to my Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX deleted the bankruptcy XX/XX/21 they reported to the bureaus because it was inaccurate reporting. Equifax then deleted it XX/XX/21 now they added it back to my report XX/XX/21 this is illegal inaccurate reporting if this doesnt get deleted asap I am hiring a lawyer and WILL DEFINITELY MOVE FORWARD WITH A LAWSUIT AGAINST EQUIFAX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alliged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I see litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear CFPB and Equifax, I am writing to formally respond to Equifaxs recent reply regarding my complaint. While Equifax claims to have conducted an investigation and updated certain accounts, they have failed to provide the specific documentation I requested as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Outstanding Issues : 1. Lack of Furnisher Documentation Equifax states that certain accounts have been verified but has not provided any actual documentation from the furnishers, such as : Account statements Payment history records Charge-off documentation Proof that collection agencies have legal authority to collect the debt A mere statement that an account is verified is not sufficient under FCRA. I am requesting copies of any and all documentation used in the verification process.

2. Failure to Address Specific Disputes Some accounts were updated, but Equifax did not provide any details on whether the disputed negative marks were corrected or merely restated.

Several collection accounts remain on my report without proper validation from the original creditor.

3. FCRA Violation Negligent Non-Compliance ( 1681o ) By failing to properly investigate and provide supporting evidence, Equifax remains in non-compliance with the FCRA.

This negligence has caused financial harm by negatively impacting my credit score and ability to obtain credit.
Product: Checking or savings account

This morning at roughly XXXX I got notice that my account would be closed. No notice no anything as soon as I got the email I tried logging on and couldnt. They stated they are holding my money for 30 days. I made contact with the company and emailed them. Ive been told different things from everyone that I speak to. Ive been told they will expedite the process. I explain that I needed the money which is my money for medical expenses for not only myself but for my young children as well. They have left me with no money at all and are refusing to release my money
Product: Checking or savings account

I was contacted via text by someone I thought was Wells Fargo asking if I had attempted to make a withdrawl on XX/XX/XXXX of {$400.00} from a XXXX  ATM, XXXX. I did not realize the number it was sent from was a std 10 digit number and not a 5 digit number. 
An auto response came back that someone from Wells Fargo Fraud Dept would be reaching out. 
On XX/XX/XXXX I received a call from someone identifying themselves as a Wells Fargo Fraud Rep, they continued to say they would help me shut the card down and open new accounts. 
I spent an hour and 45 mins on the phone with them as they somehow accessed my online banking info, without getting any personal info from me. They sent me a text from XXXX saying they were working in the back ground to cancel the card and asked me to reply yes to an auto text saying " FreeMsg : Verify Wells Fargo activity. Card **** {$300.00} @ ATM Transctio {$52.00} @ XXXX XXXX REply Y if recognized, or call XXXX '' which now I know was them getting me to authorize the fraudulent transaction. 
BUt I still don't know how they were able to get into be online account. 
They transferred all my savings into my checking account and advanced as much cash on my CC they could to my checking. 
Then went on a spending spree around the area. I have filed a police report but it is still active and not assigned to a detective as of today. 
Wells Fargo has denied my claim and will not refund the fraudulent charges and I'm left holding bag. I get married in a month and have no savings and no curent way to pay my bills. 
I need help!!
Product: Debt collection

from XXXX till currently I have been getting wage garnished from titanium funds LLC claiming I owe XXXX $ on a car loan which was sent to collections and when I called they told me the original debtor had filed bankruptcy and I was responsible for the charge stemming from XXXX, I told them I never had brought a car from them and to date they have taking over XXXX $ and I asked for the fraud department but no available. I am so frustrated with this and paying for someone else debt and I explained to them my information was part of a data breach and I've had my i.d stolen while in hospital for XXXX XXXX and other chronic issues. They don't care. I need help
Product: Credit card or prepaid card

Hello, I recently applied for a credit card with XXXX/Continental Finance after receiving a pre-approved offer. In an effort to build my credit, I applied and was approved for {$500.00} ; I was aware this would be decreased to {$420.00} due to the {$75.00} annual fee which is deducted from the available credit. Upon receiving the card, there was an available balance of {$390.00}, this is due to the company sending me 2 cards, 1 in a previous last name and 1 in my current last name. Due to this extra card, I was charged an additional {$30.00} ; the problem is, I did not request an additional card, I applied for the credit card in my current name which is also reflected on my credit report and the card should have only been issued in my current name. 

I tried to contact the company by phone, multiple times with no success. The hold times will start at 14 minutes and the longer you hold, the longer the wait time becomes, 15 minutes, 17, minutes, 20 minutes ... which is absolutely insane and quite baffling. 

I would like the {$30.00} charge reversed and this company needs to do a better job at of being sure they're issuing cards correctly and not charges customer from non-applicable fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently alerted by XXXX that a new account was open during XX/XX/2023 with Comenity Capital that I did not open. I disputed this item but the company said this should still be on the credit report. They are not providing any sufficient contact information so I know who I can discuss with Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my Equifax, XXXX, and XXXX Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am seeking information about the date on which the alleged delinquency occurred, information that should have been provided by CAPITAL ONE BANK USA. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. While I understand that trade lines are typically removed after seven years, I would like to know the precise month and year when this particular trade line is set to be updated. Additionally, please furnish me with the address to which you mailed your request or the phone number you used to contact them. I am not interested in a general response outlining your usual investigation process. My request pertains to a comprehensive breakdown of how you received these specific responses. CAPITAL ONE BANK USA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute inquiries along with inaccuracies with TransUnion. I will be providing the necessary documents to finally close this dispute out.
Product: Credit reporting or other personal consumer reports

I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID XXXX XXXXXXXX XXXX XXXX Never lived at any of these addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consume USA is reporting on my credit report as a past due balance on an auto loan that was totaled. Santander entered a class action law suit. Santander practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to Santander Consumer USA on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, Santander is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. Santander has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Product: Mortgage

Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -, XX/XX/XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXXXX/XX/XXXX XXXX Balance : {$850.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XX/XX/XXXX ( Original Creditor :XX/XX/XXXX ) XXXX Balance : -, XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX) XXXX Balance : {$970.00}, XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXXXXXX ) XXXX Balance : {$180.00}, XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$810.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) :
Product: Checking or savings account

I was contacted by USAA via a phone call about XXXX XXXX payment I did not make. The caller used XXXX number somehow to get even more money from me at a local XXXX under the ruse of placing the money back I to my account. I provided all the information from XXXX XX/XX/XXXX several time for the 4 different charges. USAA gave me the money back for all four charges. A month later I was notified that after their investigation I was at fault and they took a total of XXXX back from my account leaving it empty. I have once again started the process to try and get my money back due to the scam using my banks information. USAA had me fully change my bank information and sent new card after remembering but now I'm sitting without the money once again. There was no notes in the system as to what was even looked at or reason for denying my refund from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. TransUnion responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXXXXXX XXXX PA XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was asked to do a credit check by an apt and they sent me a link to transunion to do a 7 day trial and was told i could cancel it after, well there is no option to cancel online and Ive tried to cancel through chat multiple times with no success, they keep telling me to follow these steps, but the steps dont lead anywhere, this has been going on since XX/XX/XXXX and they just keep billing me and refusing to cancel my acct when i ask, they give me some XXXX 10 steps to follow to cancel but none of that works and doesnt even show up past step 2
Product: Credit reporting

XXXX XXXX went out of business years ago. I had an account with them XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number  attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to Equifax, XXXX, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against Equifax, XXXX  and XXXX  they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Product: Credit card

I reached out to the company to inquire about a late fee. The Representative was unable to help me, so I requested a Supervisor who was argumentive ( on a recorded line ). He refused to help me, so I hung up. After hanging up I emailed my request. I received a letter stating the consequences of verbal abuse, offensive remarks, and threats. 
I believe he did this to show his power. Which is fine. I don't need a card where I can only communicate by email or mail.
Product: Debt collection

XXXX XXXX, Your rent payment was accepted by Slate.

Payment Details : Payment ID XXXX  Resident XXXX XXXXXXXX XXXX XXXX Amount {$88.00} Date XX/XX/2020 Payment Status Paid, View Receipt Payment Method Check Note I paid completely directed to the XXXX  XXXX. Genesis manager, Ms. XXXX was so rude since day one. I paid and they continue calling and threatening me. Ms. XXXX, manager of Genesis, sent debt to credit report after I paid. I want Genesis to be investigated for management approach and debt charges that you cant fully understand well from where they charge money from people. I am positive others have had same experience like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention the violations of USC that I previously highlighted in my letter dated XX/XX/XXXX. It has come to my attention that more than 30 days have passed since my initial correspondence, which exceeds the time frame required for you to investigate as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Your lack of response in this matter leads me to believe that the information in question is unverifiable. Consequently, I demand the immediate deletion of the following accounts from my credit file : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I want to make it explicitly clear that I did not authorize any person associated with these companies to access or view my credit report. Furthermore, I did not provide consent to the Credit Reporting Agency, including your company, to include this information in my credit report. These actions not only violate the provisions of the Credit Reporting Act Section 1681b ( c ) but also constitute fraudulent activity and a severe breach of my privacy rights. 
Therefore, I formally request that you delete the aforementioned information with the companies in question and provide me with copies of any documentation related to these accounts that bear my signature as proof of authorization for the credit inquiries. Additionally, I demand that as the Credit Reporting Agency, you produce a contract between us, the consumer, which contains my signature and demonstrates that I granted you permission to disclose any information on my behalf. In the absence of such documentation bearing my signature, I hereby request that these fraudulent inquiries be promptly removed from the credit file associated with my Social Security number, which you maintain. 
Please be advised that you have a period of 15 days, as per the Fair Credit Reporting Act Section 611, to produce the requested contract and complete the investigation. Failure to comply within the specified timeframe will be considered a violation of the law. Attached you will see the original Dispute I have also attached a cfpb complaint along with a FTC complaint. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this