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

I 've contacted Equifax & XXXX on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX 2017 came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote Equifax & XXXX asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from Equifax or XXXX even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make XXXX and Equifax stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.
Product: Credit reporting or other personal consumer reports

We are applying for an apartment. Equifax Saya there is no hold or freeze on the account but the apartments program they use to pull the credit says there is a consumer fraud alert.
Product: Credit reporting or other personal consumer reports

XXXX XXXX answer : My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit reporting or other personal consumer reports

I review a copy of my credit report notice there was some fraudulent account please accounts are hurting me to obtain the ability of credit I did not authorize these accounts please remove these accounts
Product: Debt collection

I had a collection appear on my credit report from ICS that did not belong to me. ICS has a name similar to mines but its not my name ICS has an email similar to mines but its not my email address. Also the property where cable service was provided I moved out XXXX of 2020 its my understanding the account was opened XXXX months ago
Product: Debt collection

Citi card has called my in the last 7 days 32 times ( call logs and phone records to prove ) Ive asked them on two occasions to please not call like that then in the same phone call I asked not to contact me any further calling me. The lady then says well you owe a debt and you will pay. This has been going on for 3 months! So I went to your website and based on the debt collection law on this page a creditor may contact a debtor about a single debt up to 7 times in 7 days. Based on the law this creditor has violated my rights.
Product: Debt collection

In 2012 a credit card was opened using my name without my knowledge, When I explained all of this to XXXX  XXXX they didnt do anything and sold my debt to a company called portfolio recovery associates 7 years has passed since that and the SOL is up. I disputed this with XXXX  and it was deleted. However it appears that theyve returned said debt back to my credit report under a new account. It is illegal to do so.
Product: Checking or savings account

I flew from XXXX to XXXX XXXX. When i got off the plane i was text a transaction approval and saw it was not mine and text back no. It came back saying I already approved it. I then called my bank to find out that {$5000.00} was transferred from my savings account to my checking and all my money was spent on various charges in XXXX XXXX while I was flying to XXXX XXXX. The bank will not recognize my claim and I am now out all the money I had, about {$6700.00}. XXXX {$200.00} cash back transactions were completed in 8 minutes at a grocery store snd the manager XXXX said they found them on video and burned a copy for investigation. I want my money that was stolen but the bank will not validate my claim. I have been very diligent in protecting my card information and I have never shared my card or number with anyone. I did nothing wrong and this money was stolen from me wIthout my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent inquiries and inaccuracies on my credit report : XXXX  FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  INNACCURACIES : - Accounts Ever Late : 2 -  Time Since Negative : 1 year 3 month XXXX FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX  - XXXX XXXX   Fraudulent Accounts : - XXXX - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  - XX/XX/XXXX Equifax Fraudulent Accounts : - 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: Money transfer, virtual currency, or money service

So I only added that you CAN NOT add to mobile wallet due to the fact that I can not WITHDRAW from them. All messages were being sent to my email XXXX which is also my log in username for gemini. In the entire time I was verified to buy XXXX but never to withdraw any type of currency, this is extremely frustrating because they have not been transparent AT ALL and it feels like I'm just talking to an automated machine instead of a real customer service rep that can help resolve my issue, or it's someone throwing it under the rug. 

Time and dates with reference for images ( SEE BELOW ) XX/XX/21, XXXX AM - I sent an email via the company support link on their website and received this email in correspondance to no avail. Ticket No. on the SUPPORT ORDER is XXXX ( SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - Verified my debit card so I could PURCHASE XXXX but not so I could WITHDRAW funds be it XXXX or XXXX XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - I sent another SUPPORT ORDER via their website this one 's Ticket No. is XXXX, still no update on the situation. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - Emailed them requesting service to verify, it's been two weeks since I opened the account and I never had anyone reach out. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX - XXXX AM - They sent back a generic email and I replied those options don't provide proper service. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' )
Product: Student loan

Good morning, I signed up for a CLIMB credit loan in XX/XX/XXXX, the terms of the loan stated that it was I/O for 6 months and I was granted a grace period of 1 month after funding of the loan. The terms submitted to me stated that the loan would fund and payments would start on XX/XX/XXXX. The loan funded in XX/XX/XXXX, I had 1 I/O payment and now they are switing to the whole amount in violation of the agreement.
Product: Debt collection

I recieved two unwanted and annoying phone calls. I informed CBE group that the information on which they were basing the collection was inaccurate and that there was no current debt. I received letters from threatening my credit rating and other adverse actions. I have sent them the following letter.CBE Group XXXX XXXX XXXX XXXX, IA XXXX Debts Identification NumbersXXXX  XXXX XXXX XXXX Dear Sirs : Recently, I received harassing phone calls and letters trying to collect the above debt. It appears you failed to do due diligence and are harassing me about a debt which is no longer valid and has not been for many years. 
The original billing and request for over payment was for services to Medicare patients through my corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The request for overpayment was part of a Medicare audit associated with an investigation by the Office of  Inspector General over 15 years ago. The case involves issues of federal and state jurisdiction which are still being litigated. The medical necessity and billing issues you refer to were appealed. 
You are without grounds in your request for repayment. The statute of limitations on Medicare overpayments was three years and extended under Obama to five years. It is more than a decade since the statute of limitations ran out. Additionally the legally appropriate resolution under Medicare law is that such dates were repaid from future billing. My company is long out of business and I have not billed Medicare in  more than a decade. There is no legitimate debt that gives you the right to call me and send me dunning letters. You are operating outside the framework of Medicare law and consumer protection laws by pursuing me for this debt. 
I am submitting a complaint to the XXXX XXXX XXXX so that you and other collection agencies are made aware of the rule of law and protection of consumers from your predatory practices. 
Please cease and desist all further collection efforts Sincerely, XXXX XXXX XXXX, XXXX.
Product: Mortgage

I logged onto the United Wholesale Mortgage website to check the status of my XX/XX/2022 automatic payment. The United Wholesale Mortgage website said my loan had been transferred to another servicer. The United Wholesale Mortgage website said it would cancel any automatic payments. 

The United Wholesale Mortgage website DID NOT provide any information about who my new loan servicer is. The United Wholesale Mortgage website DID NOT provide any information about how to remit payment to the new servicer. 

The United Wholesale Mortgage website still processed my XX/XX/2022 auto-payment, even though United Wholesale Mortgage is no longer the servicer.
Product: Money transfer, virtual currency, or money service

I am writing to formula discuss my concerns regarding Zelle to handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me the lost funds was impossible and that tracking these were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX XXXX, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a client of XXXX  XXXX XXXX since XX/XX/2020 to fix, dispute and correct inaccuracies on my credit report file monthly with the 3 major bureaus. 3 years later, ALL 3 credit bureaus still have incorrect information concerning my personal information as well as my place of employment. This must be addressed. XXXX XXXX XXXX has all of the information and paperwork regarding my history and relationship with them.
Product: Mortgage

Hello, I am writing you in regards to my mortgage, I am currently on a Mortgage repayment plan through a Chapter XXXX plan, I need to resolve the issue with unapplied fund beings not being credited to my acct. My payment amount due states that I owe XXXX which is incorrect we have {$2900.00} in unapplied funds, can I please have a itemized statement showing how my payments are being applied and the unapplied funds applied to my account. 

Thank you, XXXX XXXX Acct XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

NOTICE OF FAULT/OPPORTUNITY TO CURE Transworld Systems You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 XXXX.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. 

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : 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 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 I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
Product: Credit reporting or other personal consumer reports

I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate. 
Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution. 
Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights. 
Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation. 
FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter
Product: Credit reporting

I attempted to have XXXX as a internet provider. They tried several times to provide me with the service but could n't and had to remove the equipment from my home. They agreed there would be no charge but then I received a bill. I contacted them numerous times and they assured me I owed nothing and that they would take care of removing the charge. Now they have reported it as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently showing 120-149 days past due, XXXX is currently showing 180 days past due and Experian 180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the XXXX XXXX XXXX XXXX, Experian, XXXX, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. XXXX, XXXX and Experian are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX XXXX XXXX and is now a part of the contract on how reporting is conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Debt collection

Chase Credit Card Services has started calling me, in an harassing way, over the last week, beginning on Monday, XX/XX/2020. During that call, I spoke directly with a woman who told me she was with customer service and assured me she wasn't with collections. I'm still not clear on why she called because our conversation was very garbled, but I know she said they wanted to know how they could help me. I'm not sure what that actually means. However, I told her the same thing I've been telling them through their secure web site since COVID shutdowns began. I experienced a XXXX three years ago and took some time off work to heal physically and emotionally, living on savings I had specifically set aside for that purpose. In XXXX and XXXX of this year, I began interviewing for positions, but then the shutdown occurred in XXXX. Since I was not eligible for either XXXX ( I'm not considered XXXX by state and federal standards but still have to be careful about the types of activities I'm involved in - can't stand or walk for long periods of time, can't lift packages over a XXXX limit, etc. ) or unemployment ( because I had left my position voluntarily after that contract ended ), my finances continued to dwindle. 

I'm still looking diligently for work, but like many people, I am still unemployed. I was also XXXX in XXXX and have been staying with friends but am basically XXXX while trying to heal. 

Chase has called once every hour today ( at least XXXX times so far, and it's about XXXX XXXX now ) but is not leaving a message. I don't answer calls from people who don't leave messages, and I prefer to do business in writing so I have a record. Is there any way you can have them stop these tactics and at least tell me what it is they want? Thank you.
Product: Credit reporting or other personal consumer reports

Dear CFPB RE : Violation of FCRA 611 ( 5 ) ( A ) XXXX recently responded regarding a previously disputed account listed as XXXX XXXX XXXX  XXXX on my consumer report. I've made them aware of several inaccuracies. XXXX decided to update the account. There is no way the account has been verified as previously stated, how can so many inaccuracies exist coming from the same source. According to FCRA 611 ( 5 ) ( A ) you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. 

( The inaccuracies & incomplete information are listed as follows ) XXXX Equifax account status account status paid open High credit High credit XXXX XXXX Last reported Last reported XX/XX/XXXX XX/XX/XXXX Account # Account # Not complete Not complete Account type Account type Credit Line - Date Last active Date last active XX/XX/XXXX - Date last payment Date Last payment XX/XX/XXXX - I will state again there is no way the account has been verified as previously stated, how can so many inaccuracies exist coming from the same source reporting differently among other agencies XXXX and Equifax are violating the law. In pursuant to 15 U.S code 1681s-2 ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS A person SHALL NOT FURNISH any information relating to a consumer reporting agency if the person knows or has REASONABLE CAUSE TO BELIEVE that THE INFORMATION is INACCURATE.

According to 15 U.S Code 1681o Civil Liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - Iam a litigious federally protected consumer and this matter needs to be corrected. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand this account to be deleted.