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

On or about XXXX, XXXX, XXXX, I contacted Equifax in reference to there inability to provide XXXX  XXXX representative, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Tel : XXXX XXXX XXXX, Fax : XXXX XXXX XXXX, cell : XXXX XXXX XXXX, email : XXXX. 

This was in reference to a consolidation loan tha was initiated in XXXX for processing. For reasons unbeknownst to me, Equifax Credit Reporting Agency, willfully, and intentionally elected to not provide the necessary information to move forward on this loan. Equifax was contacted via telephone by XXXX XXXX representative, XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX, to inquire as to obtain the necessary information to move forward on this matter. It should be noted, that this was a three-way telephone conversation to which I participate in, and provided any/all necessary information to substantiate the truth of the matter being asserted. 

As of this date, Thursday, XX/XX/year>, Equifax Credit Monitoring has resisted to provide the necessary information to move forward in reference to this consolidation will, thereby costing me possibly additional costs in reference to the interest rate. Their delay could cause the interest rate to increase substantially, thereby costing several thousands of dollars in the life of the loan. 

I and on the belief, that this is willful, intentional, retaliatory, and could be possibly discriminatory against Hispanics as a whole. They again, it could be gross negligence, substandard training, substandard performance, substandard supervision, incompetency, and the inability to perform the essential functions of the job. 

I am requesting your assistance regarding this matter, I am hopeful that your office will act expeditiously to resolve this issue as soon as possible. It should be noted that Equifax Credit Monitoring, did request a photocopy of my California drivers license, and Social Security card, which I copied immediately, and sent it USPS, United States Postal Service overnight express, and requested that it be signed for so that Equifax Credit Monitoring could not state that somehow it was misplaced, lost, or destroy. 

It should be noted, that I have the ability to contact the FBI, The Federal Bureau of Investigations Civil Division, regarding Discrimination and Violation of Title 15, the Civil Rights Act. 

I await your response, ____________ XXXX XXXX
Product: Debt collection

XXXX has turned an account over to a debt collector and it is on my credit report and is not mine. Ive had XXXX XXXX XXXX for years now and someone, I am assuming my ex, got something for over {$740.00} and used my name. Then did not pay. As you can see on my credit report I never apply for anything and trying to build my credit and only have one other company Ive ever used listed and in good standing. Ive asked to have this removed and disputed as well and instead they change the wording and said it is mine and it is not and I do not know how else to prove besides the fact that I do not owe debts and I pay my bills. Why would I open it one month and then never pay it. It shows it was opened and then that was it. If it was mine I think I would have used it longer than one month. I am tired of my credit being destroyed and I want to see my signature and identification or what they used to verify it was me when that was opened because I never did. They had to have something to verify identity to open that account and if not then why does their company make it so easy for people to obtain things in other peoples names. I just do not like having my credit ruined for something I did not do and them not to even listen to me multiple times now. I want something done because this is the only negative thing on my report and its stopping me from getting credit cards and loans that I need and worked hard towards them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. Experian STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Experian stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EXPERIAN VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Experian claims to have verified from XXXX, THEREFORE EXPERIAN NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX XXXXBANKRUPTCY/ FILE XXXX.
Product: Checking or savings account

XXXX froze my mothers account 8 weeks ago. When they initially called their questions made me uncomfortable as they sounded like they could be a scammer so I hung up. 2 weeks later I received a letter about it and called them. Our financial and tax advisors helped me submit what was requested and after 3 weeks they contacted me for additional info but also I had to resubmit documents I had already sent. After numerous phone calls to find out the status and more resubmissions its now been under review for a week. They have told me that the only way to know if the freeze has been lifted is by calling in. NO notice will be sent to me. 
This is my mothers primary account, she is XXXX and has XXXX and XXXX needs to be paid! They are now bouncing checks and this includes a {$19000.00} payment. I have also asked how they will help fix the problems they have created ( declined payments ) Their answer has been that thats not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

JHPDE Financial1 ; LLC is reporting debt on my credit report that they do not own. Original creditor informed me that this company DOES NOT own this debt. Its was purchased by another company, and that company is not pursing collections because its past the statute of limitations. I have notified this company several times. 

They are submitting old documents to the credit bureaus as accurate. Its is not. CFPB has a copy of this letter from the original creditor to prove who owns the debt. It is not JHPDE Financial. Please remove the fraud from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  : -XXXX XXXX XXXX  XXXX 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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hired XXXX XXXX XXXX to consolidate my credit card debt. They did not pay any of it off and transferred it to XXXX XXXX XXXX, who transferred it to XXXX XXXX. I learned that none of these groups actually paid anything off when LVNV Funding LLC and XXXX XXXX XXXX attempted to collect {$1600.00} and {$600.00}, respectively. 

There are still five more credit debts unpaid, so we expect more collectors to come. The law groups have not shown what they did with my money.
Product: Credit reporting or other personal consumer reports

I am being denied access to credit, paying more for insurance due to my insurance score and being denied by apartment XXXX to sign as grantor on my daughter 's apartment lease. All because I have no outstanding loans, and I no longer have any credit cards. I have been denied by The XXXX XXXX for their credit card ... I can not obtain credit and I'm being penalized and treated like a deadbeat because I have no outstanding loans. I have XXXX years of continuous employment, I own a home without a mortgage. I own XXXX vehicles without debt, because I choose to live below my means and have been able to pay off all debt XXXX years ago. I had home mortgages and car loans from XXXX to XXXX. I am gainfully employed, have never been late on paying bills, never a collection nor bankruptcy. Had a high credit score until XXXX when we discovered someone stole our identity. Score then dipped due to no fault of my own and took XXXX years to recover, now because I don't have any debt, it's dropped to below XXXX according the apartment XXXX who has denied me as serving as grantor on my daughter 's lease. If this isn't crazy, I don't know what constitutes craziness. I need your help to restore my financial reporting records to excellent. I shouldn't have to borrow money to have an excellent status.
Product: Checking or savings account

In XX/XX/XXXX my debit card was stolen and it was used in all this places 1- at XXXX {$100.00}, 2-XXXX {$780.00}, 3- ATM at XXXX XXXX CA {$700.00}, 4-XXXX {$350.00}, 5- XXXX {$400.00}, XXXX {$820.00}, 6-XXXX {$610.00}, XXXX  {$1000.00}, ATM at XXXX XXXX CA {$300.00} . The total amount of the money stole was {$5100.00} I reported all this to my bank which is WELLS FARGO. All this transactions were made around XXXX and I never got a notification of my bank asking if the person using the card was me. Also as soon as I find out about this transaction I reported to my the bank and let them know this wasnt me. The bank ( XXXX XXXX ) did a investigation and less than one week my claim was declined with no further notice, I ask the bank to give me an explanation and they tried to avoid to talk to me. I believed, I did the correct and right thing which was report it as soon as possible to the bank and also to the authorities ( police ) I filled a repost as well. 
I also believe the bank should freeze my account when they see any type of strange activity and they did not do anything about it. As a customer I feel discriminated because they didnt want to hear about what happened the moment my card was stolen, I also was part of a violent crime. At this moment I tried everything I could so the bank can give me a solid reason for why they declined my claim.
Product: Mortgage

I currently have a mortgage with OCWEN. After a long dispute regarding my payment history and them saying that I was n't making my monthly mortgage payments, I obtained the services of XXXX and was able to get my mortgage and interest rate reduced based on a trial modification period. I signed and mailed two copies of the agreement to OCWEN, in addition to XXXX emailing two copies, as well. They never responded or sent the final copies to be signed, but later said that I did n't send the documents to them. There is a receipt verifying that XXXX did receive the document on XXXX XXXX, 2016 @ XXXX They have now erroneously reporting that I failed to comply with the arrangement. Upon speaking with XXXX and them engaging OCWEN, they 're saying that I failed to date the documentation. The documentation is in fact, dated for XXXX XXXX, 2016. This loan servicing company refused to process my loan payments for 1 year and said the reason was because I was 90 days late on a payment. I sent all certified mail receipts and cashier 's checks to their auditors ( located in XXXX ) and all they could say was that I missed a payment, but could n't come up with the 90 calendar days that were in question. I had to pay {$4200.00} to XXXX to work on my behalf because they tried to foreclose on my home. They are still assisting me because OCWEN has n't sent me the signed copy of the final loan modification as they told XXXX they did.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone tried to hack my Venmo account. I immediately received a call from Venmo and they blocked the transaction. While I was grateful for that, on XX/XX/XXXX ( I had already initiated a transfer from my bank to my Venmo account ) I tried to access my Venmo account to send money to a friend and I learned my account was frozen. I have spoken and chatted with representatives every day, sometimes multiple times a day. At first, I was told it would take 5-7 business days for their account specialists to do their due diligence and confirm my identity. I have NEVER heard from an account specialist in the 13 days since. Yesterday, I chatted with yet another representative and was told it would take three weeks!!! 
I am XXXX and I am also my XXXX XXXX XXXX mothers sole, full time caregiver. We have no family or friends to turn to for financial assistance. We have no money and need access to that money in my Venmo account! Without access to that money I can not purchase groceries and, most importantly, I can not purchase her insulin. She has already been 3 days without her insulin, her blood sugar is over 350 and she is in imminent danger of XXXX XXXX!! If I do not have access to that account almost immediately, I will have to call 911 and have her hospitalized for treatment, which is ridiculous and we will incur the costs of such hospitalization! 
I need someone, someway to get through to Venmo for me! I am filing complaints every place I can and I am also contacting an attorney who deals with Venmo cases. 
Venmo is essentially holding my {$700.00} XXXX, through NO fault of my own, and thereby putting my XXXX XXXX XXXX mothers life at risk!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Notice Failure to Comply with FCRA Requirements & Demand for Deletion of Late Payment on XXXX XXXX  Account credit card account number ending in ( XXXX ) To Whom It May Concern, I am writing to formally demand that you immediately remove the inaccurately reported late payment on my XXXX XXXX account from my credit report. I have previously disputed this information and requested a proper reinvestigation, but you have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements by not providing a detailed Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ).

FCRA Violations Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when I request the method by which you verified the disputed account, you are legally required to provide me with : 1. The name, contact information, and details of the party you verified the information with.

2. A full description of the investigation, including steps taken, documents reviewed, and individuals contacted.

3. The dates and times when you conducted this investigation.

You have failed to provide this information, violating the FCRA. Additionally, your failure to conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) constitutes willful noncompliance. 

XXXX & XXXX Consequences Your noncompliance has caused me significant harm, including financial loss, emotional distress, and damage to my creditworthiness. Under XXXX XXXX. XXXX, I am entitled to statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. 

Final Demand Remove the Late Payment Immediately I am giving you XXXX ( XXXX ) days from the receipt of this letter to : XXXX. Permanently delete the inaccurate late payment on my XXXX XXXX account from my credit file. 
XXXX. Provide me with written confirmation that this late payment has been deleted. 

Failure to comply will leave me no choice but to pursue legal action against you for your violations of the FCRA. I will be filing a lawsuit in XXXX  XXXX XXXX XXXX for statutory damages, actual damages, and any further relief the court deems appropriate. 

This is my final attempt to resolve this matter amicably before litigation. Please address this issue immediately and confirm in writing. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Upon discovery I noticed that LVNV FUNDING LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that LVNV FUNDING LLC along with other company collecting on there behalf such as RESURGENT CAPITAL SERVICE collecting without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

" Account name : XXXX XXXX XXXX # XXXX has violated my rights '' " Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I did not give the credit bureau any written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX, Citi Bank N/A, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
Product: Checking or savings account

My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this bank.
Product: Credit reporting or other personal consumer reports

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Complaint Against U.S. Department of Education for Violations of FCRA and FDCPA Issue Type : Credit reporting and debt collection violations Company Name : U.S. Department of Education Complaint Details : I am filing this complaint due to inaccurate credit reporting and unfair collection practices by the U.S. Department of Education regarding my federal student loans ( Account Numbers : XXXX and XXXX ). 

These loans are incorrectly reported as defaulted/charged-off, even though I am eligible for the Department of Educations XXXX XXXX XXXX XXXX which should restore my loans to good standing and remove negative reporting. Despite my eligibility and requests for correction, the Department of Education has failed to take appropriate action.

Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) : Failure to report accurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct inaccurate information after being notified of the dispute.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e : Misrepresentation of my loan status and failure to inform me of my XXXX XXXX eligibility. 
15 U.S.C. 1692f : Unfair collection practicescontinuing to report my loan as defaulted despite my XXXX XXXX eligibility. 
How This Issue Has Affected Me : The inaccurate reporting has negatively impacted my credit score, making it difficult for me to secure financial opportunities. 
The misrepresentation of my loan status has caused me financial and emotional distress due to unfair collection practices. 
The Department of Education has failed to correct the issue despite my formal dispute. 
What I Want the Company to Do : Immediately remove all negative remarks related to this default from my credit report. 
Provide written confirmation that my loans are in good standing under the XXXX XXXX XXXX. 
Cease all collection activities related to this loan. 
Ensure compliance with the FCRA and FDCPA to prevent further harm to me and other borrowers. 
If this issue is not resolved promptly, I intend to escalate further, including seeking legal action for damages caused by the Department of Educations noncompliance. 

Supporting Documents : I have attached all relevant documentation, including correspondence with the Department of Education and proof of my XXXX XXXX eligibility. 

Desired Resolution : Correction of my credit reports, cessation of unfair collection practices, and confirmation of compliance with federal law.