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

I have tried registering online at my.equifax.com numerous times. after a fill out all needed information in application. It brings me to a page saying ; " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code XXXX. '' So then I gave customer service a call. The phone operator informed me to mail specific documents. So told me to mail a copy of government ID or driver license and the provide a a copy of social security card and then provide a cover letter talking about issue I want resolved. After I mail that the issue should be resolved. Then asked how will you guys contact me or notify me when is issue is resolved are in the process of being resolved. I said should I provide email or phone number she said no. I said how will I know if documents got to thecompany or if you resolved the issue or not. She said just send the documents and you should be good and issue resolved. She Then provided this address to mail documents to Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Documents have been mailed but issue not resloved yet. I've been hearing many other complaints from other consumers online with similar issue I'm having about mailing needed to documents that equifax request to resolve the issue and get your account back and see credit score again but nothing has been done after other consumers mail documents to equifax many weeks to months later. Also many complaints about numerous phone calls given issue still not being resolved. I heard from many other customers easiest and fastest way to resolve issue is to a file CFPB complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt XXXX XXXX straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, XXXX
Product: Checking or savings account

I opened my account in XX/XX/2020 w/a cash incentive if I were to have " recurring monthly direct deposits totaling at least {$500.00} from a third party to my HSBC Advance checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I made an initial deposit of {$100.00} to fund it, {$500.00} to increase my balance, and then {$250.00} thereafter. The offer indicated that I would " automatically receive the {$200.00} Welcome Deposit in my new HSBC Advance checking account approximately eight weeks after completing all qualifying activities. It's that simple. '' I began  inquiring in XXXX when I didn't see it paid. A few times I was told to wait a few more days and, if it had not been credited, to chat back so a ticket could be open. I thought the bonus was for {$450.00} and one of the chat representatives even corrected me that mine was for {$200.00} given my XXXX XXXX. I have chatted at least 7 different times and everyone either said I did qualify and to wait or that a ticket was opened to see why it had not posted. Today I chatted and was told that per ticket # XXXX I did not qualify because I did not open the account right. This is absurd, unprofessional, and I'm confident it is in violation of UDAAP. I opened the account from the promotional page within their website, so how am I to blame for any errors on their end?
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Services , Inc is and has been inaccurately and erroneously reporting a monthly account balance, payment, etc since XX/XX/2019 on a collection account to the three major credit reporting companies XXXX, XXXX, and XXXX. ( Samples of Credit Reports attached ) A collection agency should not be reporting a collection account 30 days late as the current status. The account was not opened with/by the collection agency, they purchased the bad debt. 

XXXXurchasing a bad debt does not make them the original creditor. Only the original creditor can report as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.
Product: Money transfer, virtual currency, or money service

Ive been using an app called Remitly. Remitly suspended my account and refused to give me any explanation. There only response was that they determine there was suspicious activity. Remitly has blocked me from seeing any of my transactions and will not identify why they suspended my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XX/XX/XXXX Balance. {$830.00} XXXX XXXX XXXX  - XX/XX/XXXX Balance. {$1500.00} XXXX XXXX XX/XX/XXXX XXXX. {$700.00} XXXX XXXX XXXX- XX/XX/XXXX Balance. {$2000.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX Balance. {$950.00} << XXXX XXXX- XX/XX/XXXX Balance. {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a grave matter of multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) perpetrated by several creditors, and to request your intervention in ensuring legal compliance and restoring justice in this deeply distressing situation. 

The violations I have experienced are as follows : Unauthorized Inquiries ( FCRA XXXX XXXX ( a ) ( XXXX ) ( B ) ) : 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 XXXXXX/XX/XXXX These unauthorized inquiries have led to considerable distress and hardship in my life. As a single parent supporting two children, I have worked tirelessly to maintain my financial stability and provide for my family 's needs. These unjustified inquiries have resulted in unwarranted decreases in my credit score, causing me significant setbacks in obtaining affordable loans and suitable housing.

One instance that deeply impacted me involved my pursuit of a mortgage to secure a stable home environment for my children. I had diligently researched and prepared for this significant step, only to face a series of obstacles due to these unwarranted inquiries. The emotional toll of explaining the situation to my children, who had been looking forward to having a place they could call home, has been immeasurable.

It is not just the financial implications but the emotional toll that has left me shaken. These violations have caused anxiety, sleepless nights, and constant worry about my family 's future. The dreams and aspirations I held for my children have been compromised due to the carelessness and indifference displayed by these creditors.

In light of these violations and their far-reaching consequences, I kindly request your immediate intervention to enforce the applicable laws and regulations. I implore you to hold these creditors accountable for their actions, as they have shown a blatant disregard for the rights and well-being of consumers.

Furthermore, I urge you to ensure the complete and accurate verification of the accounts listed on my credit report. I request that the unverified and unjustly reported accounts be promptly removed from my credit history to rectify the injustices that have been perpetrated against me.

Thank you for your attention to this matter. Your intervention would not only rectify my current circumstances but also serve as a beacon of hope for countless other individuals who may be enduring similar hardships due to unscrupulous practices by creditors. 

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

I asked for purchasers agreement to verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I appreciate the efforts made to remove some of the fraudulent items from my credit file resulting from alleged fraudulent activity. However, there remain items that still require removal. Upon reviewing my latest updated personal credit report, I noticed that unauthorized credit inquiries persist. I have personally contacted these companies and requested the removal of their inquiries from my credit profile. Furthermore, I previously requested that you initiate an investigation into the inquiries listed below on my credit report to determine their legitimacy. I am confident that you will find my allegations to be true, and therefore, I request the removal of the following inquiries : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I kindly request an updated copy of my credit report reflecting the removal of these remaining inquiries to be sent to my provided address.
Product: Credit card or prepaid card

Here is what I just faxed Amex. 

Hello, I will now complain to XXXX because I have every single fax I sent you for at least XXXX months, not only not allowing any recurring payment to XXXX, not authorizing recurring payments to anyone and you Kept on charging me like who cares avout the charges I authorize or not. 
XXXX XXXX For at least XXXX months Ive asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Experian : I requested verification of collection account from XXXX XXXX XXXX. Experian XX/XX/XXXX responded with account has been verified by the XXXX  XXXX XXXX. 
I contacted XXXX XXXX XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ).  When, XXXX XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( USA ) stating that XXXX XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 

I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX ( USA ) ''. My recent credit report from Experian still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX {$430.00} bal. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXXXXXX XXXX account ( XXXX ) and the inquiries made by XXXX on XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was scammed by XXXX XXXX group. They made a settlement agreement with Chase. I have since voided contact with them. I have tried email and phone calls to Chase to void this and pay my total balance due over time. They keep saying it can not be done. I am trying to do the right thing and pay this account in full. They will not work with me. Today after being on the phone with them for XXXX minutes @ XXXX XXXX I asked them who governed them several times. I was told no one. I was told if the settlement amount of {$700.00} was not paid then the account would be turned over to a 3rd party collection agency. I feel I am being penalized for trying to do the right thing.I even asked if they could set up anew account, transferred the balance to it which would have no agreement. attached to the new account.All I want to do avoid any more negative activity as I try rebuild my credit. Before XXXX my score was XXXX now it it XXXX.
Product: Credit reporting or other personal consumer reports

consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies Transunion, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 XXXX IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED XXXX PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Product: Credit reporting

I closed a XXXX credit card that I had opened in XX/XX/XXXX. I had no history of account problems, paid on time each month, and have a {$0.00} balance. XXXX reported the account closed, paid in full, {$0.00} balance, and paid satisfactorily, however it was shown that the account was closed at the credit grantor 's request. I contacted XXXX multiple times and they told me they had submitted a correction to Equifax multiple times to have the status corrected. This was beginning in XX/XX/XXXX. It has not been corrected by Equifax and is still listed as " closed at the credit grantor 's request. '' Despite my and XXXX 's attempts to correct this, Equifax still continues to fail to correct the account status.
Product: Mortgage

I have a mortgage with Caliber Home Loans ( Account XXXX ). This Bank and prior banks are changing from Bank to Bank my account. I would appreciate if you help me to send to XXXX Bank. In XXXX Bank I have my checking account and is easier for me to pay my loans. I want to consolidate all my loans here. 
I also need your help to review my account in this Bank ( Caliber Home Loans ) because they are charging escrow amount that I am not agreed. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is missing date last active and is unverifiable. XXXX XXXX failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get approved for a car recently. I was immediately denied due to not having a credit file with Equifax. I called them several times and no one had information on how to correct the issue. I have credit scores and a file at XXXX XXXX but not a Equifax which is weird.
Product: Credit card

Back on XX/XX/XXXX I places and order on XXXX for Klarna XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ORDERS NUMBERS XXXX Problem reported XX/XX/XXXX. You reported that your full order is missing. Your payment is paused while we look into your issue Waiting for XXXX from Klarna to confirm Reach out to XXXX from Klarna to speed up the process Klarna updates your payment Purchase total adjusted Original purchase amount {$1700.00} Adjustment - {$20.00} Your total {$1700.00} THEY RESPOND BACK THAT THE ORDER WAS DELIVER AND THEY DECLINED MY DISPUTE NEVER GOT MY PHONE I CALL SO MANY TIME APPLE FOR KLARNA AND APPLR STORE AND THEY SAID THAT THEY WILL LOOK IN TO MY PROBLEM XX/XX/XXXX THEY SEND ME AND EMAIL Any payments you have made towards this order will be refunded to your original form of payment and processed within 14 days, depending on your bank. 

Any future payments will be canceled. 

If you are unsure why your order has been canceled or have any questions, please contact our customer service team. 

Below are the canceled order details : Order Number : XXXX Ordered on : XX/XX/XXXX THEY ONLY REFUNDE {$19.00} PROBLEM WAS THAT THEY DELIVER TO WRONG ADDRESS THEY SEND ME A TRACKING NUMEBER XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX I WHEN TO THAT LOCATION AND CLAIM MY PACKES AND THEY ONLY SAID THAT THEY NEVER GOT ANY LATER ON XXXX I WHEN AND ASK FOR MY PACKAGES TO THE ADDRESS THEY SEND IT TO. THEY SAID THAT THEY NEVER SIGN ANY DELIVER UNDER THAT TRAKING NUMBER # XXXX I CALL AND EMAIL SO MANY TIME PLEASE HELP ME TO GET MY XXXX XXXX XXXX XXXX XXXX MY XXXX XXXX XXXX HAVE IT ANDS I PAY FOR IT XXXX XXXX  TO XXXX XXXX XXXX HE SAID TAHT FI WILL GET A REFUND BUT THEY ONLY SEND ME {$19.00} WISH IS NO WHAT I NEED MY REFUND SHOUL BE {$1800.00} FOR MY PHONE I DON'T HAVE ANY PHONE NUMBER TO CALL XXXX FOR KLARNA IS ONLY TO EMAIL XXXX XXXX XXXX.klarna.com please advices