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

For over a week I have been trying to sign up for the Equifax Trusted ID service to freeze my credit report with Equifax due to the recent security breach. I was able to successfully freeze my credit report with the other two agencies in under an hour with minimal effort, but with Equifax I have been met with nothing but a wall of miss-information and unhelpful representatives. The e-mail that Equifax said they were supposed to send to complete the enrollment process has never arrived after more than a week. When I call I am told someone will call me back in 24-48 hours, but they never do. When I called today ( 3 separate occassions ), I was told by a call center representative that the e-mail may never come and I should stop trying. When I asked to speak to a supervisor, I was told they dont have any supervisors, just people working the phones giving out other phone numbers to call that are non-operational numbers. One of the numbers begin given out is XXXX. What is most frustrating is all the advice we keep hearing from so called 'credit experts ' that keep saying, sign up for the free Equifax service and lock your credit report. Obviously they do not have the same issue that many others are having. Would appreciate your agency investigating Equifax and their ability to handle credit freezes and the services they are advertising. Someone at Equifax needs to be held accountable and our elected officials should investigate the company.
Product: Checking or savings account

I am a customer of Wells Fargo. I opened a new personal checking account online through their website. I funded the new checking account from my business checking account. 
It took 5 business days to fund my new account from the business account, which as I believe is more than what is allowed by regulators. 

Please look into this for me. 

Thank you. 
XXXX XXXX XXXX
Product: Debt collection

A new card was issued to me replacing card of XX/XX/XXXX ending XXXX new card issued XX/XX/XXXX ended XXXX. USAA REFUSED MY FRAUD CLAIM OF {$470.00} XX/XX/XXXX USAA SUBMITTED DISPUTES I DID NOT SUBMIT. I ONLY REPORTED {$470.00} FRAUD XX/XX/XXXX see attstched XX/XX/XXXX FRAUD CLAIM INVESTIGATION CIMPLETED ALL UNAUTHORIZED TRANSACTIONS *CONFIRMS THIS TRUTH. See CFPB USAA response XX/XX/XXXX ending XXXX Alleging this ID THEFT Account ( see attatched report FTC XXXX ) IS A LIABLE DEBT COLLECTING USAA STATES CREDIT CARD POLICY IF PAYMENT MADE IT ( BECOMES MY LIABILITY EVEN WHEN IT IS DISCOVERED I DID NOT OPEN THIS ACCOUNT ) USAA CLAIM IS USAA POLICY ** ( UNKNOWN TO ME. ) SEE attatched ID THEFT REPORT. ***CLEARLY USAA IS NOT ADA COMPLIANT VCAG2.1. LAW States * ALL technology ( websites ) MUST be accessible to people with XXXX. As a 37 year XXXX MEMBER I HAVE NEVER BEEN PROVIDED ACCESS ON LINE. BY USAA AND COULD NOT HAVE OPENED ACCOUNT. USAA has never provided credit card policies to me.?? Payment made before XX/XX/XXXX was made in good faith UNAWARE I DID NOT OPEN THIS ACCOUNT. USAA Response XXXX CAN NOT BE ACCESSED BY ME.?? My story is, and sticking to IT. I grew up with pay phones am XXXX require XXXX ACCESS NEVER PROVIDED BY USAA. see attatched USAA CONFIRMATION CREDIT CARD FRAUD CLAIM XX/XX/XXXX THESE UNAUTHORIZED CHARGES WERE NEVER PAID BY USAA see XX/XX/XXXX REVIEW CLAIM OF NO FRAUDULENT ACTIVITY. It was discovered ** there are several accounts I DID NOT OPEN WITH USAA I HAVE BEEN HELD LIABLE FOR WITH NO ACCESS TO RESOLVE. I can not ACCESS & usaa refuses to send to my home address WHICH IS ONLY CONTACT LISTED ON MY PROFILE OR WAS!! USAA HAS DUTY TO PROVIDE CREDIT CARD POLICY IF THEY EXPECT ME TO FOLLOW AND PROVIDE VCAG 2.1 ADA ACCESS FOR MY DISABITY. ** I DID NOT OPEN THIS ACCOUNT. I WAS SCAMMED OUT OF PAYMENTS MADE IN GOOD FAITH. I DID NOT AUTHORIZED PAYMENT USAA MADE XX/XX/XXXX. IT STOLE ALL MY SOCIAL SECURITY MONEY FOR SURVIVAL. I AM NOT XXXX AND I CAN NOT BREATH NO ACCESS ABUSE.
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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXDEPT OF ED XXXX Balance : {$3300.00} ; XXXX/DEPT OF ED XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00}.
Product: Debt collection

Hello I am writing to complain about the way my student loan debt has been handled. In or about 2010 I had about {$100000.00} of student loan debt because of finishing XXXX XXXX or I obtain my XXXX XXXX. I moved out of the country and because of my financial situation let y student loans lapSe for a short period of time and during this time whoever was in charge of these loans double the amount that I owed from XXXX to XXXX roughly these figures are not exactly precise but in the right neighborhood. So I contacted the lenders the federal financial loan people XXXX XXXX and asked repeatedly for them to investigate why this happened. There was never any satisfactory answer as to why this happened or a resolution of the problem. Each year even though I have since handled my loan situation by signing onto the new income-based repayment plan there has still been about {$10000.00} added and it each year because of interest even though Im not required to pay until I find a job. I have repeatedly requested from the XXXX XXXX XXXX XXXX XXXX that they investigate this and reduce the figure that I owe them to what it really should be and either receive no response or a response that says we can do nothing about about the unfairness of adding so much extra money to my balance when in reality it really ought to be down around {$100000.00} figure which is where I borrowed in the first place to graduate from college
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. XXXX, I am requesting that these inaccuracies be promptly blocked. 

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. XXXX, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX business days. The following entries on my credit report are associated with this identity theft and must be blocked immediately : Fraudulent Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 

Additionally, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report : I appreciate your prompt attention to this matter. Please confirm in writing once these fraudulent items have been removed from my credit file.
Product: Credit reporting

XXXX XXXX Fl XXXX TransUnion LLC XXXX, PA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Product: Debt collection

For over a year, I have been filing disputes almost monthly with Equifax Credit Bureau about a collection account with XXXX XXXX XXXX that is not reporting accurate nor have I received the proper documents proving the debt I have asked Equifax over 12 times to verify this debt which they keep coming back saying that they have I then asked Equifax to provide me with their method of verification which Equifax will not provide me with saying they dont have that I need to contact the company I respond to Equifax letting them know I have contacted the company and they will not provide me with the proper documents Equifax has not done the proper steps to verify this debt but still reporting this on my credit file I have asked them to delete it over and over
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, several fraudulent accounts and inquiries have appeared on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts and inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : Inaccurate Inforrmation : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XX/XX/2022
Product: Credit card or prepaid card

Oh XX/XX/XXXX I filed a fraudulent charge on my way2 go program card. As I looked back I realized there were charges all over seas and as well as in many states I dont live in and have not visited. I called the company and after 5 hours on the phone we added up a total of {$710.00} After that was complete I faxed over the paperwork. Hadnt heard a thing so I reached back out and waited another 3 hours on the phone to get to the bottom of it. They said my case was denied and did not give me any details or reason why. I want further investigation and a refund of my money that I desperately need to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Mortgage

I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Debt collection

XXXX XXXX XXXX XXXX DEBT COLLECTOR IS TRYING TO CHARGE ME AN AMOUNT FOR {$75.00} FOR A CREDIT CARD I NEVER OPENED WITH BLOOMINGDALES NEVER HAVE I OPEN SUCH ACCOUNT OR USE MY SOCIAL SECURITY OR CREDENTIAL TO OPEN SUCH AN ACCOUNT.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported 30-day late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history. 
The discrepancies are as follows : XXXX : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and Experian : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments. 
If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated 30-day timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected. 
Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from XXXX, and for XX/XX/XXXX and XX/XX/XXXX from XXXX and Experian. 
Provide written confirmation of the corrections made to my credit file. 
Supply a detailed explanation of the procedures used to investigate my dispute.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the 30-day timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

12 inquiries on my credit report that I did not authorized need to be deleted