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

I am filing complaint against equifax fir failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission s, XXXX  consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough I vestigation. This practice violates the fair credit reporting act ( fcra ), 15 U.S.C. SUB SECTION 1681i, which mandates a reasonable investigation of disputes. Equifaxs action may also contravention the CFPA,12 U.S.C . SUB SECTION 5536 ( a ) ( 1 ) ( A ) - ( B ), CFPB ADMINASTARTIVE PROCEEDING File # 2025-CFPB-0002 AGAINST Equifax for related violation s. I request that the CFPB take action immediately to ensure Equifax complies with federal law and provide all consumers with necessary remedies and proof of investigation.
Product: Credit card or prepaid card

Company harasses me all day. Receive 20 calls a day
Product: Debt collection

Received a letter from debt collector about a bill that is from 2011 believe the statue of limitation has expired on this debt. But all want to see what this debt is showing never has a {$1700.00} debt with any cell phone company. Send record of debt from company XXXX XXXX Will be check with Attorney General on Statue of Limitation on Cell Phone debts! per information from CFPB
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home loan with Wells Fargo and at the time of purchase, they told me I had to impound my property tax fees with them. My annual property tax fees are estimated to be approx {$9900.00} per year. In XXXX of XXXX, I noticed that Wells Fargo had deducted over $ XXXX from my escrow account even though the balance was only $ XXXX. I called the XXXX XXXX XXXX XXXX XXXX and they confirmed that there is XXXX tax liability for my residence. Wells Fargo had apparently tried to use my escrow account to pay someone else 's property tax bill. After I caught then and filed a report ( reference CFPB complaint # XXXX ), they refunded my money and closed my escrow account but they still reported a balance increase of {$81000.00} to XXXX  and XXXX which has negatively and falsely impacted my XXXX XXXX. I called a XXXX XXXX in the XXXX office at Wells Fargo at ( XXXX ) XXXX regarding the matter. There was no answer but I left a message regarding this fraudulent credit entry. I have yet to receive a response and the fraudulent credit entry remains on my credit report.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter in the mail today, XX/XX/XXXX from XXXX XXXX requesting more information in regards to a credit card I recently applied for. I have not recently applied for a credit card so I immediately checked my credit monitoring app ( XXXX XXXX ) and it shows a hard inquiry on my credit from XX/XX/XXXX from XXXX XXXX. I am working on freezing my credit through each bureau but this extremely worrying considering someone would had to have had my social security in order to have gotten this far on a credit card application. PLEASE HELP ME.
Product: Debt collection

credence obtained my information through XXXX  they are trying to collect on there behalf and I gave them no authority to do so they've already contacted me several times attached below are the reports from FTC.gov and a letter they sent me claiming to be representing XXXX.
Product: Credit reporting

No longer have a credit score, car loan and home mortgage are not being reported to my credit.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Mortgage

I inherited my grandparents house. I pay a 1st mortgage on the house which has never been behind. However a 2nd mortgage has come up that was not paid on and that company is saying that they will foreclose on me if I dont sign papers and take responsibility for that loan. Im in need of help on how to go about this problem as they are not working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnionFraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX Card Services on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I filed a complaint in XXXX and some of the accounts were removed but not all of them. I am filing another a complaint because it seems that is the only was Equifax takes action. I would like the bankruptcy and the XXXX XXXX Card Services deleted from my credit report and taken off my account immediately. I have attached the last three letters that I have sent to Equifax even the letter when they did not respond in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

please re-investigate and delete the following accounts as the last payments on these accounts were made more than XXXX years ago : XXXX XXXX XXXX account XXXX Also, the XXXX day late payment that they report for XXXX XXXX XXXX In XX/XX/2020 is incorrect- I have never had any late payments on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is still reporting on my credit 2 fraud acct on my credit report I was a victim of Identity theft/fraud a police report was filed
Product: Credit card or prepaid card

I went to pay my bill at the office of this company the day that it was due but the office was closed so I was unable to make the payment. I paid it the next day at their office because their website was unavailable to me to use and they reported m e 30 days late when it was only 1 day late   and it was only because their office was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB management services reporting my account is open after it was discharged in bankruptcy, and it showing a late payment every month as this account is closed and I have disputed it and nothing has happened and I contacted the company and they say they have a right to report it as that and I dont understand how as of every other account that was discharged in my bankruptcy has been removed from my credit report as it has a zero balance
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. I rented a home and had XXXX XXXX. I canceled service when I moved before 2014. They told me I had to turn in a piece of equipment that was located on a tall telephone poll over 30 ' tall. I told them I was XXXX and could not climb the poll and asked if they could send someone out, they said " no '' and told me to figure it out. I owed a phone bill but I could not turn in that piece of equipment so they added that to my final bill. I can not go on someone elses property or climb the poll myself so they are charging me over {$300.00} for that piece plus interest and penalties because I am unable to turn that piece in. I turned in everything else inside the home. I feel like they are discriminating and trying to force someone to pay for something that XXXX installed on the pole that I could not climb to retreave. XXXX XXXX is now collecting and I try to dispute but they say XXXX will not change the collection amount they are charging me for that piece.
Product: Debt collection

In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) XXXX  XXXX XXXX XXXX is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too XXXX XXXXXXXX XXXX XXXX I informed XXXX XXXX XXXX XXXX that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a 3rd debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows that I have an automobile loan through XXXX XXXX ( now BMO ). This is false and misleading information as the transaction was a retail installment sales contract - there was no loan. According to your site : LAST REVIEWED : XX/XX/year> What is a retail installment sales contract or agreement? 
XXXX XXXX XXXX retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. 
Traditional vehicle financing involves borrowing money from a bank or other lender. In contrast, a retail installment sales agreement is when you borrow directly from the auto dealer. These dealers typically sell the retail installment sales contract to a bank, credit union or other lender. However, a buy-here/pay-here dealer, will keep the contract. 

The copy of my contract from my auto purchase states clearly across the top that it is a XXXX XXXX XXXX. I have requested a copy of the original contract both from the dealership and the bank. The dealership sent me a copy that matches the copy I have. I have not yet received a response from the bank. 
My goal is to have this negative report removed from my credit report.
Product: Mortgage

I had a mortgage with XXXX XXXX. It was transferred in XXXX to Carrington Mortgage. I have been calling Carrington every week trying to make my monthly payment. Every time i call the agents either hang up on me or tell me i cant make any payments due to covid-19. I was told to log in online and make a payment. I have tried to set up an online account but it says that they cant find my loan in the system. When i call Carring support for help no one can help me set it up. I WANT to pay my bill and they are not allowing me. I need help so this does not damage my credit scores. My cell phone is XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXXXXXX XXXX  Credit Card ( XXXX different cards ) XXXX XXXXXXXX XXXX  Credit Card ( XXXX different cards ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been sued by Wells Fargo for several fraudulent accounts. I informed Wells Fargo that I did not open the accounts. They did not care. I have found charges for life insurance, XXXX insurance, and identity theft protection. I finally got a letter for Identity theft products that were not authorized. Even though Wells Fargo is finally saying I may have been done wrong they are still suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are fraud and they should not be on my credit
Product: Debt collection

XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX The amount is {$220.00} I was told if it was paid the collection would get removed from my credit reports and would no longer shower up a negative information. 
The debt was already paid. The invoice number is XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX/ Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

XX/XX/year> a debt collection from portfolio recovery association reported a debt on my cra stating that I owe I debt from a DEBT BUYER which is violating fcra rights for {$370.00} they must delete this account Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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 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: Credit card or prepaid card

XX/XX/2021 somebody charged my debit card in XXXX XXXX XXXX XXXX XXXX  ) first time for {$2500.00} and then for {$580.00} through the Credit Acceptance Corp., and twice by {$9.00} through the XXXX XXXX. Totally for {$3100.00}. We asked the XXXX to stop processing. However, the XXXX  ignored our request and has processed these charges. Some time later we found in the XXXX 's Message Center that this claim is " resolved -claim not paid ''. 
I never used services of the Credit Acceptance Corp. and had no idea about its existence. The information on the internet suggests that it is a company that is financing subprime automobile loans. Evidently, it has to check credentials of any person who is applying for the loan. Therefore, the Credit Acceptance Corp. has information about this person. Hopefully, the XXXX informed the Credit Acceptance Corp. and that company could initiate a criminal investigation. However, nothing was done. I have no idea who got this loan. The Credit Acceptance Corp. didn't inform me about operations where my identity was involved. It looks that the loan was done for another person who got a car under this loan, but paid by my debit card. How it is possible I can not imagine. By the way, supposedly, the XXXX XXXX is also involved in this fraud, but as an intermediary.