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

Subject : URGENT DEMAND TO CORRECT PERSONAL INFORMATION & DELETE INACCURATE ACCOUNTS FCRA 611 ( a ), TEXAS FINANCE CODE 392 To Whom It May Concern : I dispute multiple inaccuracies in my Equifax credit file, including misspelled names, fraudulent addresses, and unauthorized employment entries. These errors violate federal/state law and suggest a mixed file. 

Critical Personal Information Errors Misspelled Names : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Legal Violations FCRA 607 ( b ) : Failure to maintain accurate data.

Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresentation of personal details. 

Mixed File Risk : Errors like XXXX XXXX and CT addresses indicate merged data. 

Demands Correct all personal information to reflect my legal name, XXXX address, and self-employment. 

Delete all accounts tied to : XXXX addresses or unauthorized employers. 

Any activity reported before XX/XX/year> ( prior to my move to XXXX ). 

Provide written confirmation and a revised credit report. 

Failure to Comply Will Result In : CFPB Complaint : Highlighting Equifaxs systemic inaccuracies. 

Texas AG Lawsuit : For deceptive practices under Texas DTPA.

Legal Action : For FCRA violations and defamation.

Enclosed : Copy of Texas Drivers License. 

Social Security card. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CFPB, Texas Attorney General
Product: Checking or savings account

I submitted complaints to both CFPB and Citi when they opened 3 CD accounts without my consent. They never responded my complaints directly filed with them, but they did allow me to close 2 CDs out of the 3 without penalty. I continue to think its a UDAAP violation that they opened the accounts without my knowledge/awareness/consent, and also at a rate much lower than the market rate. I reached out to Citi again but they never responded to me. I am requesting a review of my outstanding CD that was opened without my consent, and also redress for loss of use of my funds in the past month ish. Please help.
Product: Debt collection

I am XXXX submitting this complaint against EOS CCA and there is no third party involved. EOS CCA did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.
Product: Credit card or prepaid card

I received a promotional offer for a XXXX XXXX through my Care credit card on XX/XX/XXXX. I purchase the treadmill through this offer on XX/XX/XXXX. I never received a confirmation or anything from XXXX confirming the order. In XXXX I received a called from the shipping company to deliver the treadmill. I received the treadmill on or about the end of XXXX of XXXX. The treadmill was assembled properly but the handheld speed and incline did not work. I called XXXX numerous time but was left on hold for more than an hour so I decided to send emails and just got auto-replies with no call back. I decided to call care credit to get this issue resolved on XX/XX/XXXX. Care Credit sent me the decision about 3 weeks later advising it's under warranty and to call the merchant. I tried the merchant again. I just got the same thing, left on hold and not responding to emails. I called Care Credit again on XX/XX/XXXX to advise I can not get in contact with the merchant so they put the transaction back in dispute again. Care Credit again sent the same response to get in touch with the merchant. I'm unable to get in touch with the merchant to get this issued resolved and Care Credit is not really helping me to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked experian to disclose to me all of the documents that they have recorded and retained in my file at the time of request concerning my accounts that are reporting. I have that right under the FCRA 15 U.S.C.  1681g. Under the FCRA 15 U.S.C. 1681i all univerfied accounts must be deleted. Below are all the accounts I wanted validated. I do n't want proof of verification or proof of my mailing address but a request for VALIDATION made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. I have sent the my a copy of my bank statement and photo ID to show proof. I have requested that my name is put correctly on my file along with removing all other names that are spelled wrong and the are not doing so after providing them with the information that is needed. They wo n't remove any old address that I was never associated it. My accounts number I want validated are 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 provide documents that you have used to verify accounts. Please do n't respond and say all accounts have been verified.
Product: Debt collection

The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX XXXXXXXX XXXX XXXX XXXX : Account XXXX  XXXX XXXX XXXX : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I applied for a credit card at Capital One, called SAVOR. On the website, they said there's a welcome XXXX $ bonus after spending XXXX $ during the first 3 months. So I followed the link, pre-approved, submitted all the documents. Then they said I've approved and mailed me the credit card. 

But it turns out that, they gave me the different tier but same product ( Good Credit tier of credit card instead of Excellent tier ) which doesn't has the welcome bonus. They didn't inform or notice me through phone call, mail or e-mail 'AT ALL '. If I would have known that before, I wouldn't accept the credit card. 

Now I've already used their credit card and would like to report a scam or misleading information just to sell their product.
Product: Credit reporting or other personal consumer reports

Lexisnexis is required to provide a disclosure of consumer information upon request. 
I have requested my consumer disclosure report three times. 
XXXX XXXX XXXX I have provided information documenting both my identity and my address in the form of : A scan of my driver 's license XXXX scan of the first page of my bank statement A scan of my birth certificate A scan of my social security card Every time, I have been told that they were unable to verify my identity.
Product: Debt collection

This is a follow up complaint/dispute for XXXX. 

Dispute Regarding Inaccurate Information Reported by IQ Data International Inc Hello, I am writing to dispute the information reported by IQ Data International Inc on my credit report. It has come to my attention that the account information provided by your agency does not match my financial history. Specifically, all three credit bureaus are reporting conflicting details about the type of account in question. 
While one credit bureau asserts that this account is a joint one, XXXX has indicated that it is an individual account. I want to clarify that I have never engaged in any business transactions with IQ Data International Inc, nor do I owe any such debt as suggested in the report. 
Cease and desist all inaccurate information and I kindly request that you investigate this matter thoroughly and remove any inaccurate information from my credit report. It is imperative that my credit history accurately reflects my financial standing, and I believe this discrepancy is a result of an error in reporting. 
Please provide me with the necessary steps to rectify this situation and ensure the removal of this erroneous entry from my credit report as soon as possible. Your prompt attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed My credit report and noticed fraudulent accounts on my credit report which is affecting my credit score and hurting my credit.
Product: Credit card

Been with capital one for XXXX never have anyproblem with them they decided to closed my account with out my knowledge no letter
Product: Money transfer, virtual currency, or money service

PayPal is holding my money for my non profit, PayPal has no way to contact them to do customer service. PayPal has blocked my money for my non profit football team and is making it so I can not pay for my kids uniforms. When I try to verify my account PayPal will not let me. I have tried to contact PayPal and you can not get a representative on The phone like how I could before. PayPal needs to stop holding my money up because it looks like a scam to me.
Product: Mortgage

My husband and I own a few small commercial properties, one which is a 6 unit property which has a mortgage from Capital One. The property has 1 commercial unit for which Capital One insisted on reviewing the lease in case of change of tenant. The lease is expiring next year in XX/XX/XXXX and in preparation for that we ensured that we put a tenant in place with a new use in XX/XX/XXXX. In order for us to do that we had to get the bank to agree and review the lease. After about 8 months of conversations with the bank during which time they were reviewing the lease, and placing additional restrictions on us operating our XXXX XXXX, they gave us a final ultimatum - agree to all the conditions that the bank wants or they will not approve the lease. There was no negotiating with the bank, they took 8 months and served us a bill for {$4500.00} for legal review. This puts our livelihood in danger as the legal bills are a very significant portion of our annual income from this property. We have never had these kind of issues with any mortgage provider for any of our properties and have gone 4 times through similar processes over the last 8 years.
Product: Checking or savings account

During early XX/XX/XXXX I signed over papers to turn my XXXX XXXX account in Bank of the West into a regularly account in my possession. This is through Bank of the West Investment services for my account. They said it would be done within a week however ever since then I have not been able to access my account. I have called almost every day with no reply. This was done with XXXX XXXX as the person who handled it however he has stopped replying to my calls.
Product: Debt collection

Collection is not from original creditor Jefferson capital system at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account was made in 2009 and is currently past the statue of limitations. The company has not removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding, are very unknowledgeable and weren't even able to explain why they are on my Report and said they couldn't remove it. They are on there 3 different times, remove Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish information relating to a consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Mortgage

This is the third complaint on the same company that I have made to you. Ocwen Loan Servicing is as crooked as they come. First, after forced insurance on what is now a condemned property, my interest fee magically jumped from the XXXX range in XX/XX/XXXX to over XXXX in XX/XX/XXXX, statements a mess with " hidden '' charges the total figure does not match my interest rate, and modification requests constantly denied. In XX/XX/XXXX my property suffered a catastrophic insurance claim, and it has been an uphill fight to get those funds from Ocwen to repair the property the claim was over XXXX and they are still sitting on XXXX and will not release it now 2 years later after repeatedly providing them what they needed .... Now the City is going to tear down the property because I do not have funds to adequately repair it. So not living in this place for over two years because of the funds tied up, and a contractor mis-appropriating XXXX of it. I now stopped paying the mortgage because Ocwen keeps playing stupid on the financial status of everything, and the remaining insurance funding they are sitting on. Six different instance I was told there is n't any money in escrow for the repairs. Over nine times I was told they have no records of repair inspections completed on the property and therefore are sitting on money but they would n't say how much. Twelve times I was told they would have answers on my account which is what they called red flagged within 7-14 days ... .three months later nothing. There are hundreds of complaints online similar to mine about Ocwen and these corrupt practices, preying on distressed homeowners. I single-handedly was raising my daughter here, fought tooth an nail for the place with Litton Loan Servicing previously preying on us, only to be transferred to the vultures at Ocwen Loan Servicing. They are hiding funding, and playing stupid about everything going on with my account. I can not get an accurate statement in writing on anything. They are making out like bandits on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I took out a {$550.00} loan from this company. 
They are taking {$150.00} out of my account every 2 weeks. 
I recently got a new job and my payday dates are different than the dates they take the money out, I attempted to reach them to change my payment billing dates but there is no way to do so. 
This causes my account to go into overdraft every 2 weeks. They also will not let me pay the loan off early to get out of the trap. I would like the withdrawals from my account to cease immediately, in the middle of XXXX or early XXXX, I added a payment of {$200.00} and it did not decrease my principle balance and was all applied to interest with the exception of about {$50.00}. I have paid them over {$1000.00} now on a {$550.00} loan. They have made their money. I am asking for the withdrawals to be ceased immediately as they give me no way to pay down the balance and keep charging me high finance fees every 2 weeks that I am unable to afford. If they refuse to cease withdrawals, I would at least like a reduction in the payment amounts ( which has gone UP by {$27.00} as of last week. ) AND changing of my billing dates to the XXXX and end of month to coincide with my paydays. 
This company has ruined me financially for the past 3 months and I am working 2 jobs to cover this debt, I should not be on the hook for over {$300.00} per month on a {$500.00} loan with no way to pay it off early.
Product: Mortgage

I called Fay Servicing LLC, earlier in the year to tell them the escrow check needs to be in my name, because my XXXX  is deceased. My name is on the deed and the mortgage company has all my information in their file. When I call to follow up I keep getting, the check will be mailed to my address with my name on it within XXXX to XXXX  days. I never received it. XXXX to XXXX times this year I was told this after each call. Patiently waiting and patiently trying to resolve this issue with supervisors and the escrow team. The last call I was told the check has been cashed, so my response was the same check we have been working on this whole year, the answer yes. So this was it I have been lied too. I told them to please send all the information we have been discussing and trying to resolve with this one escrow check ( 2023 ). I never received it.

Another issue was with the home insurance that Fay Servicing is linked too. I filed a claim for my roof with XXXX XXXX XXXX claim # XXXX XXXX. I was told an adjuster will be at the house within XXXX hours, the adjuster will call when they get close to set the time for arrival. I called XXXX weeks later for a follow up and was told my name needs verification from Fay Servicing , LLC. So I called back about XXXX weeks later, and was told no claim was filed. So both companies tied together have bad business practices when it comes to resolving issues, it is a scam.
Product: Checking or savings account

I contacted the bank SoFi on XX/XX/year> about a claim about a refund due from XXXX XXXX  due to not receiving my delivery items. I noticed SoFi took the money from XXXX already and SoFi bank have not deposited funds yet into my account. It have been well over 10 days and XXXX XXXX  have not rebuttal for the chargeback. So why is SoFi holding onto the funds and not returning to my bank account meantime XXXX XXXX is trying to charge me again for the amount in question of {$36.00}.
Product: Debt collection

I noticed a fraudulent account on XXXX XXXX, and I did a dispute on XX/XX/2024. I received a phone call from a man saying he worked for XXXX XXXX XXXX, and he was asking for my current address which I did not give to him. Today XX/XX/2024 a lady rang my doorbell and handed me a paper after reading it, it says has pretrial information to appear in court XX/XX/2024. I have reached out to multiple credit bureaus for assistance and I did a for on the XXXX identity theft website and now I am seeking your assistance.
Product: Prepaid card

XX/XX/XXXX : I purchased an e gift card from amexgiftcard.com run by American Express Travel Related Services Company , Inc. and its subsidiaries and licensees that issue prepaid cards, including American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : I attempted to use this card at over 20 merchants online. All were rejected except for use at XXXX There is no physical card for me to try in store. I was able to use {$170.00} of the gift card in multiple transactions on XXXX. however, XXXX now says Amex is declining payment for the remaining balance on my card of {$120.00}. Amex gift card support is worse than useless, they are combative, nonsensical, and will not assist me and want to keep my funds illegally. I have sought assistance from amex gift card support multiple times and they refuse to assist me with getting access to my funds. This fraudulent company should be investigated, fined, and forced to issue restitution to the consumers it has defrauded.
Product: Credit reporting or other personal consumer reports

Information on credit report that I did not authorize. According to 15 USC 1681 5 law states they are suppose to do this 5 day treatment of inaccurate or unverifiable information.
Product: Money transfer, virtual currency, or money service

Hello Sir/ Madam, I made an international money transfer of {$150.00} into my receivers bank account on XXXX/XXXX/XXXX via Western union. As of now money has not been deposited. 
I called them around 15 times, every time they say that transaction has completed successfully. Even though I provided them the proof of not getting it done successfully. ( receivers bank statement since they asked it ) Already tried to contact higher authorities, no answer from them as well. 

Please help Thanks