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

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX credit account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XX/XX/2020, 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
Product: Credit reporting or other personal consumer reports

I notified Equifax in XXXX that I had an issue with my account 's access. I was unable login to my account through Equifax 's online portal. In XXXX, the problem persisted. Again, I notified Equifax and opened a ticket. Now it's XXXX and I still have no resolution to the problem The problem : I am unable to login to my online account. When I requested help using the link on their login page for " Need help signing in, '' I provide my important information that the website requires to recover my account, such as SSN and email. After submitting the recovery information, the company 's website sends me to a light blue screen that tells me they can't recover it, and I need to call an agent. 've called an agent multiple times. The problem remains unsolved. Agents on the phone can be helpful but they don't resolve the issue- I can't log into my account. I am unable to manage credit freezes which hinders my ability to manage debt or secure my personal information.
Product: Credit reporting or other personal consumer reports

My information was taraded, used and issued to other parties that either benefitted and tried to solicit me deals that were fake fraudulent and disguised to try and deprive me out of my property. I do not appreciate the fact my information was and can be used by these third parties to try and manipulate me sub prime mortgaged back securities to gain an interest over my estate. I want to settle and discharge all debts made by these so called creditors to rebalance my XXXX  score that was affected with my social security treasury direct account. I appreciate your love in truth and understanding..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is deliberately reporting erroneously + violations riddled all over my report and this is frustrating to me. I alerted them of this twice about my personal data and accountsbut they kept going. My only Legal name is XXXX XXXX XXXX which I sent evidence to proof my legal identity by ceritified mail on XX/XX/2020 and I need you to remove non-associated addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX, has violated my rights. 

I opened my credit report on XX/XX/year> and noticed something wasnt right. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.
Product: Debt collection

I received a solicitation from an attorney offering to help me with my lawsuit and garnishment. I called to see why I received the letter and they said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX had filed to garnish my wages and that they had a judgment. I looked online and found a summary judgement from XX/XX/XXXX that they renewed almost 7 years later before it expired. I had contacted them around XX/XX/XXXX due to an entry on my credit report for a collection account and never received a response. I have received no communication from them at all, but now that they have waited until this robofiled judgment has almost gone dormant, suddenly they want to pursue garnishment. I have n't even been served with it yet. I called and got nowhere. I know for a fact they were ordered to pay over {$3.00} million dollars to the civil fund in XX/XX/XXXX for the very practices they used in procuring my judgement. I want my judgment satisfied and my  garnishment stopped. They are not a legal practice. They are debt collectors buying debt for pennies on the dollar and using their " law practice for consumer 's rights '' ruse to avoid direct oversight and using the courts to profit. They should not be able to be punished as XXXX XXXX  XXXX and just change their name to the other two partners and keep on ruining lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I received a hard inquiries on my personal Experian Credit Report from XXXX XXXX  which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX XXXX  in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XX/XX/XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to an inquiry I made yesterday. I sent a complaint into the CFPB yesterday explaining that I have an account with   XXXX    XXXX   XXXX  who reporting me delinquent with the credit bureaus after my account went past due due to an auto-pay not getting set-up accurately online. I feel like their website had an error because I have a long history of on time payments never having a delinquency on my file. Further more they have my address information and email info, but never contacted me to give me a chance to pay prior to the account going 30 days past due. They did indicated they tried to call me but I could tell their call from a marketing solicitation since they never told me the reason for the call in the message.  <P/> When I contacted  XXXX  they told me they would investigate and get back to me. They did and told me there was nothing they can do and the delinquency would stand.  <P/>  XXXX  contacted me today to tell me that they have received the CFPB compliant and because of that a full account audit will be conducted. Why I 'm disappointed is that is what they said they were going to do to investigate if they can remove the delinquency. Only after the CFPB got involved it seems they will do the due diligence to give me full consideration.  <P/> I wanted you to have this additional information to consider and maybe even obtain the recordings of the conversations to see if you agree with their approach.
Product: Credit reporting or other personal consumer reports

Disputed via XXXX, Equifax. XXXX dispute center not active. 

My credit report has 18+ incorrectly reported accounts. There are paid in full closed accounts reported as delinquent. There are car loans paid off reported as closed, not indicating it was paid off. There are credit cards reported as written off when they were paid and closed. I have paid accounts being reported as closed that are affecting and lowering my score. My home loan is listed as a closed account when my loan is active it was just purchased and has a new owner. So I have 2 home loan accounts reporting. The other loan needs to be removed completely.
Product: Money transfer, virtual currency, or money service

I reopened my Robinhood account to be able to send and buy XXXX. Also to receive it as well. Well so far I only did TWO transactions to test and make sure everything worked. My first two went two for the amount totaling {$560.00}. I deposited another {$500.00} to send to another wallet and as soon as I add the funds Robinhood says my account is restricted and under review they would get back to me by the XXXX. They called me on the XXXX but the call failed. I called on the XXXX and XXXX for over XXXX on the phone waiting once I get to caller 1 the call ends on their end. They asked for my bank statement I have sent it. They asked for my ID I sent it 20 times after that. They dont answer emails or calls. Even when they call you you have to sit in a longggg waiting list for over hours and sometimes they still dont answer even when they call YOU. The only support you get is from a robot that does nothing. I have done everything they asked and now they keep pushing the review date. I just want my money that I added onto the account through my XXXX bank account. They have everything they need. I have {$500.00} remaining on Robinhood I just want to take off and never use the app again.
Product: Mortgage

Greentree Servicing, no Ditech, charges me {$12.00} to make XXXX payment online. It seems to me this has to be against mortgage laws to charge a customer {$140.00} per year to make payments on their online website. They are taking advantage of their customers. 

When I originally obtained my loan it was though XXXX, then XXXX XXXX XXXX. At no time did they charge me a fee to make my payment online. I have no choice who buys my mortgage, so how can they force unreasoble terms on how to make a payment? It is really cheaper for them to hire someone to open maile and accept my check?
Product: Credit reporting or other personal consumer reports

I have 27 inquiries on my credit report due to fraud and also false addresses and credit consumers on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to Oxygen XL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 10 complaints on XXXX they also have 5 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several medical collections listed which have no name on them and I have disputed with nothing being received as far as validation, these are inaccurate and I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

I had a XXXX XXXX of XXXX with Wells Fargo. The Wells Fargo finance advisor told us that the Equity Line of Credit will not cost us anything unless we use it, however, Wells Fargo charged us {$500.00} to close the account. 

We needed to close our XXXX XXXX of XXXX account when we switched to another house insurance company in XXXX, XXXX. The new insurance company considered our XXXX XXXX XXXX XXXX offered by Wells Fargo as a XXXX against our house. Wells Fargo charged XXXX {$500.00} to close the account. 

We complained to a Wells Fargo finance advisor ( the Wells Fargo finance advisor who convinced us to establish an Equity Line of Credit with Wells Fargo left Wells Fargo ), and she told us that is the company rule to charge {$500.00} to close an Equity Line of Credit account ( which was never explained to us when we established the account. 

We ended up paying {$500.00} to close our Equity Line of Credit account with Wells Fargo in XXXX, XXXX 

This type of charge should not happen as the finance advisor never explained the account closing charge to us when he convinced us to establish the XXXX XXXX of XXXX account. He told us there will be no charge unless we use the service, and everyone establishes an XXXX XXXX of XXXX for ease of mind.
Product: Money transfer, virtual currency, or money service

I tried to call CASH APP and they had no live persons to speak with and they took {$1000.00} from me.
Product: Debt collection

I old phone number XXXX XXXX XXXX was given to my XXXX name XXXX. 

He sent me a message from : XXXX XXXX XXXX XXXX. 
Reference number : XXXX I was a victim of identity theft where they compromised my social security, cell phone and bank account when I was out of the country for 1 year between XXXX - XXXX. 

Someone was using the internet pretending to be me. 

Please cease and desist this action. I am exempt from any charges.
Product: Checking or savings account

I received an alert from my identity monitoring service " XXXX XXXXXXXX '' that high risk transaction had taken place today XX/XX/2021. 

Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. 

Date : XX/XX/2021 Institution : MoneyLion Type : XXXX XXXX : Account Opening Result : Passed Venue : online I called my identity monitoring service and an investigator placed a called to this company right away. Once they verified some basic information about myself, they were able to close the account and mark it as fraudulent. 

I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I will put alerts for my credit but this has me worried. 

Thank you in advance. 

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

HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the  attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX apartment community allowed to be opened in my name as a result of identity theft. I have told XXXX  l, Experain, and XXXX that the original account from XXXX was fraudulent and that the collection that XXXX   placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, Experain, and XXXX a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.
Product: Credit reporting or other personal consumer reports

As I know it, based on FCRA 605B, accounts reported incorrectly should be removed from credit reports. I'm not sure what happened, but please review the accounts in the documents.
Product: Credit card

Capitol One reported to XXXX, XXXX and XXXX that my Capitol One XXXX account ending in XXXX was " included in bankruptcy. '' I have never placed any Capitol One account in any bankruptcy filings. I have asked both Capitol One and XXXX, XXXX and XXXX to investigate, verify and validate the account ending in XXXX was included in any bankruptcy. The result of the investigation allege it was verified by Capitol One and XXXX, XXXX and XXXX. The reporting of such is false and inaccurate by Capitol One and each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent experian XXXX and XXXX since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer 2 months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/2022 I wrote a check # XXXX for {$13000.00} to XXXX XXXX on behalf of my business XXXX XXXX XXXX. The purpose of this check was to pay an invoice for their client XXXX XXXX. 

The check was mailed to XXXX 's former address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX but was not forwarded to their new address XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX did not receive this check. It was intercepted at their former address by an individual. 

The check did clear my account but not by the intended recipient. It was deposited to Bethpage Federal Credit Union. I alerted my bank and they initiated a fraud claim with Bethpage at the end of XXXX. XXXX had 90 days with which to respond and they have not done so. My bank suggested I file a complaint with CFPB. 

I have copies of the front and back of the check as well as a notarized letter from my bank noting that I am claiming fraud. I also have a letter from the intended recipient, XXXX XXXX, noting that they never received this check.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open account from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. The late open account on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act (FCRA), that accurate and upto-date information is crucial for the fair evaluation of consumers' creditworthiness. I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct this late open account in my credit file: XXXX XXXX Balance: XXXX.