23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for inaccurate credit reporting related to two accounts that have been incorrectly reported on my credit profile. I have already submitted an affidavit and FTC report to dispute these accounts, but the issues have not been resolved.

The specific issues are as follows : Credit Union Account : I am disputing the reporting of an account from a credit union, as I have no legal obligations to this account. I have no records or agreements with this institution, and I believe this account is being reported in error. Despite submitting an affidavit and FTC report, Equifax has failed to remove this account from my credit file. 

XXXX XXXX Account : The information regarding an account with XXXX XXXX  is also incorrect. The reported dates and balances on this account are inconsistent with what is reflected on other credit bureaus, and this discrepancy is affecting my credit score. I have provided the necessary documentation, including my affidavit and FTC report, but Equifax has failed to correct this error. 

Relevant Legal Violations : 15 U.S.C. 1681e ( b ) : Under this section of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like Equifax are required to follow reasonable procedures to ensure the accuracy of the information they report. Equifax has failed to meet these requirements by allowing inaccurate and inconsistent data to appear on my credit report. 

15 U.S.C. 1681i ( a ) : This section of the FCRA mandates that consumer reporting agencies investigate disputed information within a reasonable timeframe and correct or remove inaccurate data. Despite my formal dispute and submission of supporting documentation, Equifax has not fulfilled its obligation to investigate and correct the inaccuracies related to the credit union and XXXXXXXX XXXX accounts. 

Fair Debt Collection Practices Act ( FDCPA ) : This law prohibits debt collectors from engaging in deceptive, unfair, or abusive practices. Equifax 's failure to remove or correct these errors may also be in violation of the protections afforded under the FDCPA, particularly regarding the reporting of inaccurate or disputed information. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Equifax fulfills its obligations under the FCRA and FDCPA. I have attached all relevant documentation, including my FTC report and affidavit, to support my claims.
Product: Checking or savings account

Hey so I had an account with Penfed Credit Union someone hack my account and tried to put a check in my account was not me so I tried to login my account and set up direct deposit for my new job and I was not able to login so I called and thats when I found out about a check was deposited in my account and I was shock and told them it was not me so they permanently close my account when I talk to them which is totally wrong and dont agree with the decision
Product: Money transfer, virtual currency, or money service

I am writing to formally document and express my concerns regarding a transaction conducted via your platform, Wise, on XX/XX/year>, under transaction number # XXXX. This transaction was an ACH payment in the amount of {$9700.00}, submitted to facilitate payment to my supplier for my clothing store. 

Upon completion of the payment, my supplier confirmed receipt of {$9700.00}. This amount was intended to cover approximately XXXX orders, which the supplier was responsible for fulfilling and delivering to my customers. Unfortunately, the supplier failed to send these orders, which resulted in severe consequences for my business. 

This is the transaction on my XXXX account ORIG CO NAME : Wise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TrnWise XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the supplier 's failure to fulfill their obligations : My customers requested refunds, leading to significant financial losses.

Negative reviews were posted, tarnishing the reputation of the business I worked tirelessly to build. 
These events collectively resulted in an estimated loss of nearly {$100000.00} in revenue. 
When I reported this issue to Wise, I was informed that my account was closed, leaving me with no resolution or further recourse to address this dire situation. I am seeking a clear explanation of why my account was closed and what steps, if any, can be taken to address the financial and reputational damage caused by this transaction. 

I respectfully request your cooperation in investigating this matter thoroughly and providing any available support to help rectify this situation. Additionally, I would appreciate any documentation or correspondence that can assist me in pursuing action against the supplier for their breach of trust and failure to fulfill their commitments. 

I look forward to your prompt response. Please feel free to contact me directly via the details provided above. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request arbitration. Upon thorough review of my credit report from TransUnion, XXXX and XXXX, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd dispute for this matter. 
There are 2 incorrect entries on my report, both for XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX is the bank/lender, and XXXX XXXX is the credit report agency for the bank. Equifax has 3 entries listed on my credit report for hard inquiries, where there should only be ONE ( XX/XX/XXXX ). 
I submitted letters from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX that said the only SOFT inquiries were requested, not hard inquiries and they should not be on my report. I was informed by Equifax that I needed these letters to remove the improper and fraudulent entries on my report. However, when I submitted these documents to them, they ignored them, and ( still ) refuse to remove the fraudulent entries. 
Their lack of professionalism and candor has been appalling throughout this process as they have consistently lied to me on numerous occasions. Furthermore, I provided the EXACT documentation THEY requested themselves, and they continue to act in a belligerent and incompetent manner.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a fraudulent loan that was opened in both mine and my husbands names, XXXX and XXXX XXXX, by XXXX XXXX XXXX. The loan was opened on XX/XX/year> for over XXXX, without our consent or knowledge. 

The perpetrator made payments on this loan until XX/XX/year>, at which point the payments ceased. Despite our efforts to resolve the issue, we have been unable to obtain any loan documentation to verify its legitimacy. 

On XXXX separate occasions, my husband contacted XXXX XXXX XXXX and requested that they send us proof of the loan documents. Both times, the company assured us that the documents would be sent via certified mail within XXXX to XXXX business days. However, we have not received any documents on either occasion, and we remain unable to confirm the validity of this loan. 

Additionally, I have reported this fraud to all three credit bureaus for a second time last week in an effort to mitigate any further impact on our credit. 

We are requesting the CFPBs assistance in investigating this matter, ensuring that XXXX XXXX XXXX provides the requested loan documentation, and that this fraudulent account is properly addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX and XXXX XXXX
Product: Credit card or prepaid card

Capital one company holding your funds due dispute waiting on someone else choice. Its really mind bothering how how they are not here for my protection
Product: Consumer Loan

There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. 
On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. 

It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. 
I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}
Product: Mortgage

Following an extensive water damage event at my residence ( XX/XX/2018 ), JG Wentworth ( mortgagee ) has been holding Hazard Insurance claim funds in restricted escrow. They have sent me notice that they require me to pay 75 % of upfront repairs from personal funds and that I would only be reimbursed pending an inspection of the property and assessment of repairs.

1 ) I do not have the personal funds to cover 75 % of the damages to the property for an unknown, undisclosed period of time. I have explained this to the mortgagee.

2 ) Since the force-placed hazard insurance has inadequately assessed damages, in order to save costs, I requested that I personally perform certain functions in the repair, and contract Home depot to replace carpeting, and personally make certain other repairs. JG Wentworth denied my request to contract the work personally. They refused to disburse funds. Again requiring me to pay 75 % of repairs upfront from personal funds. I do not have the funds.

3 ) The home had extensive water damage. Since mortgagee is not willing to disburse funds to have the home repaired, and because I personally can not afford to cover 75 % of the expenses up front, I have been forced to live in a home that has been in disrepair for the past 1 year and 4 months. 

I have personally had to labor to remove wet carpeting from entire home - about 1000 sq ft of carpeting. I have had to pay for garbage removal ( {$1000.00} ). I have removed all saturated drywall and ventilated walls that were impacted. I have labored in order to prevent further damage to the home - something the mortgagee has disregarded. My current living conditions have caused significant personal distress and has impacted my personal health and wellbeing. 

The mortgagee has now informed they have sold my loan without resolving the issue with the insurance claim and without allowing for the repair of damages to the security for the loan. They have further shut down all communication on the matter and have referred me to the new lender ( loan has yet to transfer ).

I am now considering all courses of action in order to have this situation resolved. Since the mortgagee also improperly obtained force-placed Hazard insurance and induced the cancellation of my personal homeowner 's insurance ( by providing false information to previous insurer ), I can not recoup the significant loss to my personal property. 

I would refer the mortgagee to HUD mortgagee letter 2012-19. Not only has the mortgagee broken federal code regarding improper force-placed insurance practices, but the mortgagee is also applying impractical, unethical, and abusive policies with regard to their insurance claims procedure. 

I will continue to contact the appropriate parties, and will report the situation to all relevant regulatory agencies until this situation is resolved. I look forward to your adequate response to this complaint. I will be in contact through this channel, and others, in order to seek resolution of this completely unacceptable situation.
Product: Credit reporting 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXX Balance : {$490.00}
Product: Payday loan, title loan, or personal loan

Borrowed {$900.00} company makes remote checks and has taken almost {$2000.00} alraedey from me and still shows I owe {$1300.00}!!! 
If I make a payment they they make a new contract for remaining amount and so more interest Im pretty sure this is illegal as I just got a settlement check from XXXX case and this company seems the same I can not stop the remote checks according to XXXX  unless I close my bank acct and I donr se why I should do that Company now appears to operate off shore in XXXX XXXX How can thay charge an interest rate of 842 % and make a new contract every time I make a payment?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. CXXXXe XXXXn - Civil Liability for Willful Noncompliance, 15 U.S. CXXXXe XXXXo - Civil Liability for Negligent Noncompliance, and 15 U.S. CXXXXe XXXXk - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. XXXXi XXXX XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.CXXXX XXXXa ( d ) ( XXXX ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States CXXXXe Law ( TILA, 15 U.S. Code XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States CXXXXe Law 15 U.S.C. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

XXXX XXXX XXXX has sent XXXX accounts to collections XXXX from XX/XX/year> and a second from XX/XX/XXXX both totaling to {$490.00} which I was never contacted on.
Product: Credit reporting or other personal consumer reports

Discover card is an fraudulent account and needs to be removed XXXX XXXX is a fraudulent account and needs to be removed Police reported as well
Product: Credit reporting

Experian lists cell phone numbers which are mine. the incorrect numbers are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I have the court documents stating they do not report to the credit bureaus. That is my proof so remove the XXXX immediately it is a violation under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago, Equifax was obviously hacked, and all sorts of personal information was divulged. As a result, I have been forced to jump through hoops in my busy schedule in an effort to ensure that I am safe from potential harm. At this current time, it appears as though I am safe, but it still has caused me quite a bit of worrying as I try to check all my bases on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF XXXX XXXX XXXX. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF XXXX XXXX XXXX XXXX DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION