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

XXXX XXXX could not obtain my credit score from equifax and alerted us to contact them on XX/XX/XXXX. I called equifax spent about 2 hours with them on the phone and submitted documents by mail because they would not accept them any other way. 
Reached back out to equifax on XXXX and spoke to XXXX. Could not get any information about whether or not my letter had reached them and could not get them to release any of my information to me. 
Called again on XXXX and had the same experience as on XXXX. Spent approximately 2 hours on the phone with XXXX. I provided her with my information over the phone but she still would not release my credit score or give me any information to help them other than to resend the documents. Was told my original letter had still not arrived and I decided to mail another copy. 
Called again on XX/XX/XXXX. At this point we were in danger of losing our refinance with XXXX because equifax would still not release my information. Spoke to XXXX and XXXX and was told that they still had not received my letter. Was on the phone for at least 2 hours. Was told that they had not received either letter I had sent and would not accept my info any other way. 
Called again on XX/XX/XXXX and spoke with XXXX, XXXX, XXXX  XXXX. Was told that I could expect a copy of my credit report but they would not release info to me over the phone and would not set up an account for me online to view. Neither copy has arrived according to them. XXXX cancelled our refinance opportunity. 

Could someone please help me. I feel like I have run out of options in communicating directly with equifax and need a 3rd party to mediate. As it has now been 30+ days since my initial contact with them I feel like this is justified. 

This is the address I was provided to send my documents : Equifax Info Services LLC Attention Equifax dispute dept XXXX XXXX XXXX XXXX, GA. XXXX
Product: Debt collection

I have on all XXXX of my credit reports a collection account from this business. My first complaint is that I never received a notice in the mail from this business to validate my debt which is my legal right. XXXX I have done some investigation and I have yet to find that this business is licensed to collect in my state of XXXX. Original creditor was XXXX they do n't list a account number on my credit report
Product: Credit card or prepaid card

In XXXX of 2019 I was going through financial hardship, and I couldn't afford the minimum payment. I was fairly new to credit, I thought I would pay a late fee and maybe get hit 50 points. My credit score took a huge hit from that missed payment, and I have been making on time payments trying to repair the damage.
Product: Checking or savings account

I deposited a check in my business name XX/XX/XXXX and the bank closed my account and have yet to release my funds. This bank cashed the check instead of returning it to the issuer. The bank closed my account for fraud.
Product: Bank account or service

Abo ut 8  or 0 years, I opened a  Wells Fargo s avings account for my minor niece when she was born. At the time that I opened the account, I was told that there would be no monthly service charge for the account until my niece turned  XXXX . Starting in  XXXX ,  Wells Fargo st arted charging monthly service fees on that account ( even though my niece was still a  XXXX  ). In  XXXX   XXXX , I called to ask them to close the account. The representative told me that she would refund the late fees and close the account. That did not happen. I called again today to request that they refund the late fees and close the account. They closed the account but told me that they were not able to refund the fees, because I had to go to a branch to have them refund the fees. It seems unnecessary for me to actually waste time on the phone with them to only be told to go to the branch.  Wells Fargo p urposefully set up a system to make it as difficult as possible for consumers to get a refund with the intent that consumers will not jump through all the hoops a nd Wells Fargo  will benefit by keeping all of the fees that wrongfully assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has removed anything negativity affecting our credit report and account but TransUnion removes the negative historical payment history from report and then puts it back on report the following month. We cant dispute it because their site says we have an error disputed this account already. Account is showing 180 days late or missed 4 months in error. If TransUnion actually call XXXX they will see information was being reported incorrect. We have tried and failed several times to get TransUnion to correct error as all other reporting agencies have removed the error from our credit report.This is affecting our credit and buying power.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - 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 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.
Product: Checking or savings account

I have a large amount of money, a {$6000.00} deposit in a {$9000.00} deposit At arvest bank but they locked up my before I had, the deposited funds sent there and I cant get into my login and I called them XXXX weeks ago and told them how to get the money to me and I still dont have money I do not have any money. I cant get in to my online bank. I cant get access their automated bank to find out where my money went. Theyre holding A total of {$15000.00} that belongs to me, I cant live without that money any longer, I need it wired to me if they cant get it to me like I told them XXXX weeks ago I am devastated Financially and emotionally devastated they closed my accounts-for no reason and kept all of my money
Product: Credit reporting or other personal consumer reports

since XX/XX/2023 ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.
Product: Checking or savings account

On XX/XX/XXXX, I placed a stop payment order on a check on the same day it was written from my Bank of America Account. 

I canceled a {$750.00} order ( prior to delivery and service ) and after alerting the service provide that I was canceling, I also placed a stop payment on the check ( just in case ). 

Bank of America charged a {$30.00} stop payment fee, and the check did not go through. 

A {$200.00} dollar check that was authorized for the same merchant did go through - this was the correct action. 

9 days later on XX/XX/XXXX, I saw a transaction for {$750.00} on my Bank of America account. 
I called the fraud department and alerted them to the unauthorized charge, and they informed me it was authorized by Bank of America. I was unable to report it as suspicious activity and was told I would have to call another department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit  companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help there.
Product: Debt collection

Acct : XXXX XXXX account nubmer : XXXX I have contacted XXXX numerous times about the amount I own them and this still have not been resolved and has not been turned over to a collection agency. I had their internet service a total of 5 days, at the time of installation, the tech only installed internet service, I subscribe for TV service as well, the tech told me he didn't have the boxes for tv service. So I called XXXX  and they said the only time they could come out to install the TV service was 2 weeks later. I then called XXXX XXXX XXXX  and they were out 2 days later to install my internet service, that same day I called XXXX and canceled my internet service and canceled the TV service install, I shipped back the internet modem and wifi extender to their corporate office. I then contacted XXXX several more times because in the system it showed I still had TV service, I asked them about this and they said the bill would be corrected with the 1st bill. When I got the bill it was still showing {$120.00}, I think called XXXX back and they kept telling me they could not help me because I was disconnected for non-pay, I explained to them I couldn't be disconnected for non-pay because I canceled the service 5  days after, only the internet was installed. A supervisor called me back and I went over me only having internet service install and that the TV service was never installed, as well as if I had had TV service installed there should be Serial numbers of the boxes in their system, which they do not have in their system, yet I'll say this once again I've never had their TV service. I have never received a corrected bull which XXXX said I would get, instead I get the collection notice from cfpb. I will not pay for something I never received, all of my interaction should be recored in the notes and on a recored line with XXXX. If anything I own for at best a month of internet service which should be anymore then {$30.00} or {$40.00}.
Product: Debt collection

I have sent them several letters asking them to validate this alleged debt they say I owe XXXX XXXX XXXX XXXX. They have not validated this debt, the amount they alleged I owe them nor how they arrived at that amount. Portfolio Recovery Associates have ignored my request that they " desist and desist '' collection activities as required by law until they validate this alleged debt.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX CONSUMER PORTFOLIO SVC 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX-******************* XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXI Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681. 

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA XXXX XXXX payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to violate FCRA laws. 

I have requested multiple times to provide proof of two accounts in question ; XXXX and Lending Club, and XXXX  only replies that these creditors confirmed the accounts. 

They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. XXXX, XXXX and Lending Club are all violating the FCRA. 

Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).

These companies also violate 15 U.S. Code 1681s2.
Product: Credit card or prepaid card

I filed a quality of service dispute on XX/XX/XXXX ( Dispute # XXXX ). The investigation was not done properly by the bank and therefore the bank asked that i refile the dispute. I filed it the second time on XX/XX/XXXX ( Dispute # XXXX ). In a letter dated XX/XX/XXXX, the bank said the charges are valid based on the infomation provided by the merchant. I asked the bank to provide me a copy of the information received from the merchant. I was told that the no information was received from the merchant as it is voluntary. Based on the conflicting information provided, i contacted the executive office of the bank through BBB. On XX/XX/XXXX, i was informed by the executive office that they can not file a dispute because of the guidelines provided by XXXX. On XX/XX/XXXX, i contacted XXXX and was told that the dispute can be filed under Reason Code 53.

Chase had repeatedly failed to dispute the charge with the merchant. By doing this, Chase is standing behind fraudulent merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I purchased a home in XXXX, 2020. We have reached out to PenFed multiple times to inquire why our mortgage is not showing on our credit report. The representatives have stated they do not know how to escalate this issue. I was able to reach someone today who stated she would open a ticket but could not provide a reference number. Our mortgage needs to reflect on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiples letters to the bureau for account MISSISSIPPI XXXX XXXX XXXX stating the information is unverified and I also asked for proof of a sign document but never received any documents
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX  XXXX - Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$610.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Debt collection

Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. 
They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report, XXXX has added this account to my consumer report without my knowledge nor validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Co ncern : 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 a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report ( Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgments or tax liens. A Bankruptcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT UTAH ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this Complaint will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court local to me, in order to formally defend yourself.