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

I reviewed my consumer report and noticed an inaccurate account that was charged off account and it was charged off as bad debt in XXXX of XXXX and the account was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX the account is currently closed and has no balance due. This account has been affecting my credit negatively. Balance reported on charged-off account without receipt of Form 1099-C by consumer, suggesting debt should be voided. Request update to a {$0.00} balance as per FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Product: Debt collection

I wrote a dispute letter on XX/XX/2020 trying to verify the account they have on file i have the original dispute letter from XX/XX/2020 and receipt of delivery of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX are disregarding FCRA statutes and FDCP statutes. By ignoring my certified request. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. In the attached documentation you will see that a I request EQ XXXX XXXX  block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 ) days business days after the date of receipt by such agency.
Product: Checking or savings account

I have both a savings account and checking account. Because the bank required it for a loan, I had an automatic transfer every month from checking to savings. Last week, I got an email telling me that the transfer did not happen this month because my checking account does not exist. Spending more than an hour on the phone, I got a number of different answers and was told to send an email to XXXX explaining the issue. The phone reps also told me that my checking account was fine, but my savings account had been XXXX because of lack of activity even though I had the activity screen pulled up and there has been at least 1 transaction every month. 

I got an email back from the abuse address that told me I should be using the customer service number for quicker response rather than an email.

I got another email from the abuse address, telling me that the message about my checking account not existing was a valid message. Then I got a letter in the US Mail, also telling me the From Account ( my checking account ) " Account Does Not Exist ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

There was an over draft fee of {$36.00} posted to my card with no alert I had funds in another account to transfer not informed. I checked and it was less than 24 hours.
Product: Vehicle loan or lease

I had a 39 month vehicle lease with USBank from XXXX with a monthly payment of {$1500.00} which INCLUDED Taxes. ( NOT UP FRONT ) I then extended lease for an additional 6 months. I was advised that if additional taxes were due, they would be added to the payment. I told USBank that the original lease agreement included the finances and Tax included to equal {$1500.00}. That being said I did not believe that additional taxes would be applicable. Nevertheless USBank added {$130.00} to my current lease payment now totaling {$1700.00}. 
I contacted US Bank and they told me that I was obliged to pay the additional monthly tax of {$130.00} for the 6 month lease extension. Since they advised me this was a possibility I had no recourse. I then went to the original dealership finance officer and they agreed that US bank was charging me Double TAX, tax on the tax that was already included in the original payments. I was told by the dealership that US Bank was illegally taxing me on a payment that already included tax for the original lease agreement. US Bank still refused to change my monthly payment and Im reaching out to see CFPB because I feel that they are wrong and I SHOULD NOT BE CHARGED the additional {$130.00} a month but have paid to remain current. 
After the dealership and I exhausted our appeals I am reaching out to CFPB to please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : 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 Consent
Product: Debt collection

This company has taken an account, that can not be verified as mine, and submitted it to the credit bureaus as a credit line. This is from a XXXX Cell phone, not a revolving credit. Every month, they are updating this account, which is preventing my credit score to be increased as it should. It is also making it very difficult to purchase a home since they placed this account as a revolving debt, it has increased my DTI.
Product: Credit card

I had been a Macy 's account holder for almost 25 years. I worked at XXXX XXXX during my college years in XXXX and got my first credit card then. Through almost foreclosure during my pre-divorce years, divorce, multiple natural disasters affecting my income- I still maintained my Macy 's card. Recently I have been on an entrepreneur journey while also navigating separation, natural disasters, and illness that directly impacted my income over the last 7 or 8 months intermittently. In XXXX, one and two months after two natural disasters hit XXXX, one of my payments was returned ( XX/XX/XXXX ). On XX/XX/XXXX I made a payment to correct this. In XX/XX/XXXX, one of my payments was returned. I spoke with a rep and she assured me that my account was still active and I made the payment on XX/XX/XXXX. I explained to the rep that I had been going through a hardship recently. She marked it down. On XX/XX/XXXX my account was closed. My next due date was XX/XX/XXXX. I also had two other Citi cards. One had been in good standing and only opened for about 17 or 18 months. The other was above the credit limit and I owed a payment due to the payment being returned. I explained to that rep about my hardship and I figured out a way to make the payment. They closed BOTH cards right after the payment. So in total Citi closed all three cards I had with them at a time when I explained I had experienced a hardship and was coming out of it. I understand credit cards have the right to close accounts. But the way they deceived me by reassuring me so that I made the payment only to immediately close it is enormously deceptive. And the ability to close all three accounts at once should not be available because it can crash my credit even worse in a temporary moment when I have expressed a temporary hardship partially related to the impact of multiple natural disasters. I am filing a complaint but I also want to bring awareness and hope that in the future other avenues will exist for consumers during times like this to protect them. The credit card companies could place a hold on your account where 6 on time payments must be made before you can access credit. That way they ensure that you are indeed out of the gray and ready for credit without tanking your ability in the near future to adjust life such as changing apartments, etc. I had that account for 25 years and 6 mos with two returned payments which I paid fees for and made the payment- no consideration. It's heartbreaking and there should be some due process available if the citizen wants to keep the card open. Consumers should know about Citibank 's inconsiderate process once they have opened a card with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and creditonebnk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have an item from XXXX XXXX XXXX for a second auto loan in the amount of {$20000.00} that is not mine. When I call or write to verify they never send me anything. I had one auto loan with them that was paid off. The phone number, address etc they have does not belong to me and never has. I have sent in police reports over years to show them there was someone with similar name that items were being placed on my report. XXXX XXXX XXXX never responded. 

The second item is from XXXX same issue this is from XXXX they are reporting a charged off account with a past due balance of {$1500.00}, when I call them they say the amount is {$4000.00} and I have never had an account with them. The phone number, address, etc is not mine. 

I sent the police report and fraud notification to them as well. They never respond, just over phone say I have to pay the amount. My most recent communication with XXXX was today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a demand to conduct a thorough and proper investigation regarding the XXXX XXXX XXXX XXXX account that you have listed in the " Other '' section of my credit report. 

I have previously filed multiple disputes with your company regarding the above account. I have provided a mountain of evidence backing up my disputes. I want to be very clear of my complaint to the CFPB. I filed for XXXX XXXX XXXX in XXXX of XXXX before I moved to California. The XXXX XXXX XXXX included the XXXXXXXX XXXX XXXXXXXX XXXX account listed above and the bankruptcy was XXXX in XXXX of XXXX. For the first year Equifax was reporting this account correctly as a closed account with no balance that was XXXX in XXXX. A year later I noticed that Equifax updated this account to report as an opened account, removed the discharged XXXX  reporting and added a fake balance of {$8000.00}. I immediately disputed this account. I provided Equifax a letter from XXXX XXXX XXXX, as well as a copy of the XXXX XXXX. Equifax ignored my evidence and refused to correct this account. I then filed 4 other disputes in which Equifax finally corrected the account. A month later, Equifax re- inserted the false reporting, placed the account back as a current opened account. I then filed another dispute explaining to Equifax that this account was discharged in XXXX  and that it is not an opened account. Equifax has failed to conduct an investigation. In fact, Equifax did not investigate at all. They ignored my evidence and provided me an extremely confusing excuse as to why they will not remove and correct an account that was included and discharged in a XXXX XXXX XXXX 

I know and can provide evidence and prove that Equifax NEVER contacted this creditor. They never did any type of investigation at all. They just lied and refused to correct the account. 

On XX/XX/XXXX I had to vacate my home due to a fire in California! I applied for a credit card and personal loan for an extended hotel stay, both request were denied. Both banks XXXX and California XXXX XXXX denied my application solely because of the outstanding balance of {$8000.00} with XXXX XXXX XXXX that is showing on my Equifax credit report. Please note that both Creditors only use Equifax to pull credit and Equifax is the ONLY credit bureau that is reporting this account falsely. XXXX XXXX and XXXX is reporting this account as a discharged debt with a XXXX balance. I am currently staying in a shelter as a result of Equifax false reporting. I have been trying to get this account corrected well before the fires. If Equifax would have did its job and conducted a proper investigation months ago, I would not be homeless. 

I have included more evidence which is a copy of an email between my lawyer XXXX XXXX and XXXX XXXX XXXX. 

Please note that this is a demand to delete the XXXX XXXX XXXX Account immediately. Your false reporting has caused me emotional distress, my child and I are now homeless, I had to take an extended leave of absence from work and am currently suffering emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Debt collection

This is a complaint against State Farm, for the abuse and disrespect of sending me letters to my house. Those accounts don't They belong, they are not mine, I made a complaint to close that account from your credit files, and what are you abusing and creating a climate of terror, which part does not understand? They are not mine, and I have nothing to discuss with you. I gave him all the necessary documentation, but I see that they are making fun of me, sending sarcastic letters to intimidate me. I ask that you please stop sending me letters with those accounts because they are not mine, and you are violating federal law, reporting open accounts under fraud and : I don't think what you're doing is funny. I request that you stop sending me, letters to my house, stop calling me. I ask that this be solved in the best way, if you continue to report those accounts under my name and send me collection letters, I will take legal action against State Farm for defamation, harassment, and reporting accounts under my name. I have a police report and an affidavit, I will file a complaint with the FTC and business bureau. And a lawsuit to collect accounts that were opened under fraud. If you want to talk something, you will have to do it with my lawyer. For the lawsuit that I am going to file against you. I wanted to take everything for the. Via dialogue, but abuse and disrespect can not tolerate it.
Product: Debt collection

On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX  and XXXX ) to validate an account on my report. That account was from NCB for account # ending in XXXX. NCB did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same XXXX party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Product: Mortgage

I am a senior citizen living in the state of Florida and I have been scammed and defrauded by Wells Fargo bank. I had a home mortgage with Wells Fargo Bank acct XXXX. I paid perfectly for 12 years and the balance was down to XXXX but in XXXX when I got sick and had to sell my home Wells Fargo charged me {$120000.00} over my payoff and said it was for fee 's and added interest all of which was extremely excessive. I called them many times but never got any help. 

As a senior citizen I was limited on being able to fight this big company which I know has had serious fraud charges against them many times.
Product: Vehicle loan or lease

Me and my wife are being over priced by credit acceptance. We had our car since XXXX. When we look at our credit acceptance portal we noticed our remaining balance is completely different than what's on credit reports nearly XXXX dollars. We truly believe they are not reporting correct balances to credit viewers. We are also individuals who pay them XXXX dollars each month and never was late for payments. Something about our contract was wrong or not known to us. Our vehicle is a XXXX XXXX XXXX. We have so far paid XXXX dollars but have XXXX dollars remaining balance.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my many attempts to follow up on the matter. Despite providing ample evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a significant threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to address the removal of the fraudulent items from my record. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX Account # XXXX, I have never signed a contract with this company and I have filed with the FTC it is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Trans Union information is incorrect on a debt collection which is and has been placed under chapter XXXX Ref. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This debt was included as a charge off and listed in chapter XXXX XXXX with XXXX XXXX out XXXX XXXX XXXX XXXX WI. 
Note : The State of Wisconsin Reached out to this Debt collection service, the business is no longer in service. Please remove the incorrect data. 

Request an investigation into why this information is not being corrected.