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

On XXXX, I call Equifax because I wasnt able to access my credit report. After that 30 min call, was told I need to mail my original social security card to confirm I am who I say I am. I explained that I already uploaded my drivers license which has my current address ; and I uploaded my passport. I also explained that I submitted my court name change document signed by a judge & notarized. Very frustrating call. I called back the same day at XXXX XXXX  to get the website to upload my info again because mailing that type of information is not secure and will subject me to more identity theft with fraudulent activity. The gentleman was helpful and said that he can authenticate me over the phone saw the info XXXX sent ; and I gave him all the information needed. He kept saying the year of XXXX and I kept correcting him and told him to look at the documents. He then lifted the restriction and I had access to my credit file. My credit file was due to update XXXX. I went to access it and everything was blank saying I had no credit. Everything was completely erased. It said to call customer service and get the code of XXXX. I called the morning of XX/XX/XXXX and gave that code. They then told me that they are not giving me access until I mail my drivers license. I explain to them that I do not feel comfortable mailing that type of document in the mail and it was already uploaded along with the other documents. Again a very frustrating phone call. They are extremely inconsistent and it depends on who you talk to. I am trying to get a home loan and all the lenders appear to be having problems with Equifax! I am as well. The attached are the documents that I have submitted several times to Equifax and for them to say they dont have it on file although it was verified before being on file is a big red flag which is why I do NOT feel comfortable mailing it directly to them ; copies and especially originals. I feel like their actions are more retaliatory bees use Ive been holding them accountable. They are making me and the lenders jump through unnecessary hoops.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of communication from the consumer. XXXX is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). XXXX provides services to financial institutions and other businesses that have a permissible purpose under the FCRA. XXXX services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, XXXX abides by the requirements of the FCRA and any applicable state statutes. XXXX neither approves nor declines accounts for its clients. Account opening decisions are determined by an institution and its individual policies. XXXX is not a collection agency and does not attempt to collect, negotiate or accept payment on behalf of its clients. XXXX clients, which consist mainly of financial institutions, regularly contribute information on closed checking and savings accounts, referred to as Reported Information. Reported information pertains to accounts reported for mishandling, closed for cause, and/or suspected fraud activity. XXXX current practice is to retain reported information on file for a period of XXXX years unless the source of the information requests its removal or XXXX becomes obligated to remove it under applicable law. The disputed items listed on the identity theft reports are not included in the consumer 's file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX XXXX file, a dispute may be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXX, Attn : Consumer Relations, XXXX XXXX XXXX, XXXX, MN XXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. 

The fraud accounts are as follow XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account for {$500.00} ; I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost a number of people 's personal information including mine. However it 's difficult to be sure my data has been affected, as their site for checking the status seems to return inconsistent results for the same data. Additionally, they have offered 1 year of a credit monitoring service, which is terrible for consumers for two big reasons.
1 ) One year is not nearly enough for a breach that loses all personal information 2 ) At one point, there was information seeming to indicate consumers could n't sue.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/, 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 an account without my written instructions. 

This inquiry from XXXX XXXX XXXX is fraudulent, because I did not authorize this company to pull my credit file.
Product: Credit card or prepaid card

Let me off by saying that Ive had this credit since XXXX with a credit limit of {$750.00} with a excellent pay history. In addition, Capital One open another credit in XXXX and increased the credit limit without requesting it. 
Over the past 3 years, Ive tried numerous times to get a credit limit increase but denied. I received a letter stating to get a credit limit my XXXX XXXX was to pay more than the amount due for 3 months without any late payment. I have successful meet the criteria for a credit limit increase three times as recent as XX/XX/XXXX and denied. I followed everything Capital One asked for the credit limit and I do not understand why it is so difficult.
Product: Mortgage

I brought pionts on my account. They kept changing the closing date and the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached Equifax 's response to my complaint filed with CFPB.Gov XX/XX/2014 regarding XXXX XXXX XXXX, and you will see in the attached documentation Equifax deleted the account from my credit file after their investigation, however they have now improperly reinserted it. Equifax has violated the FCRA by reinserting this account improperly. No notice was ever sent to me to tell me they had any intentions on reinserting the fraudulent information as they are required to do as a matter of law. The account number for XXXX XXXX XXXX is XXXX and you will find they have improperly reinserted this. <P/>I am providing Equifax 's original response stating they deleted the account to prove this is an improper reinsertion. I have contacted Equifax by phone, fax and certified mail to have this corrected and removed from my credit file, but Equifax refuses to remove this improperly reinserted informaiton.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Opened the account when I was in the US on vacation, with my passport that my International Cellphone. For two years I had no issues with the navigation of the account, via my online access. Suddenly Wells Fargo locked me out of my account, due to alleged " non-activity '' on the account. This was during 2020. 

I made contact with them at the call centre and explained that I'm not in the US, due to travel restrictions, and as this account was for when I travel to the US, there would be very little activity on the account. 

It was at this time that the bank started refusing to help me stating I do not have a US Cell Number. This was never disclosed to me when I opened the account, nor was this disclosed to me during the first two years of using the account, that a US Cell Number was mandatory to keep the account or have an active account. 

So, to try to get access to my account, then I got a US Number, at a financial expense to me, and I then tried to add that number to my account. Then the excuse from the bank was that it was not the " right '' type of US number. 

Trying to fix this for almost TWO years now, I finally asked them to close the account, transfer out the funds to my XXXX XXXX Banking account. 

They then again refused, stating that I need to send a closure form, and POST the document to them, from outside the US. 

This is just not possible at the moment, and any post that is moving around the world take up to three months to get to a US destination. Not today I got an Email dated XXXX - stating the account is now closed, but no funds have been transferred and I can not contact the bank. The Bank has now stolen my funds. 

All I needed was the account to be Close and the Funds transferred into my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from information simply being noted on my credit report. But despite all the complaints I sent to CFPBand Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I'm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I would like to file a complaint against Preferred Credit Inc. for failure to comply with my rights under the Truth of Lending Act ( TILA ). I entered into the contract on XX/XX/2024. The transaction took place on the sales rep cellphone. So it was not a very legible process. I figured I would review the documents after it was completed. I went online to open the link that was provided. I received additional links XXXX. All the links were expired, I contacted the XXXX on XX/XX/XXXX. ( holiday in between ) After a heated conversation of being accused of only wanting to see my documents was because I want to cancel and I made it clear it was my legal right to review and have a copy my documents. I finally received a copy of the contract and discover later it was not a completed contract. I received a email to set up my account but I had no loan number without loan documents. My initial contact with them while signing the documents, there was no mention of a right of rescission, I was not made aware of the that until I spoke with the sales repXXXX XX/XX/XXXX I sent a letter to the Lender regarding my concern about not be able access my documents, and at this time I wanted to exercise my right of recsission according to TILA. 

I also sent an email to the selling partner, who informed me, she had tried to follow my link and was having the same issue. All the links were expired and were not giving me the option to order a new link, which she also indicated that the it must be a technical issue and she would escalate it to Preferred Credit. She also indicated it was not my fault. shortly after the site was fixed but too late for me to cancel per their loan documents. In the mean time on XX/XX/XXXX I received a completed copy of the contract from the selling partner. XXXX XXXX XXXX XXXX XXXX  Per my own reserch all this was in violation of my consumer rights. 

I have included copies of all correspondence and emails from both preferred credit and XXXX XXXX 

To date the only response I have received is from XXXX XXXX, stating they can't talk to me anymore and I have to contact Preferred Credit Attorney. All I have is customer service email address. 

XXXX has not responded to any of my request. 

I need help in exercising rights per the TILA. Is this how they treat seniors?
Product: Payday loan, title loan, or personal loan

I obtained a loan from Capital For Change ( C4C ) in XXXX associated with a green energy project. The loan was a {$40000.00} loan due monthly over 84 months. Over the past year I have ran into difficulty paying the bill through the online system so have utilized the phone system making several months payments at once. Since Covid-19 the phone system indicates that responses ( voicemail and emails ) may take 48 to 72 hours for response. I had made a payment for 3 months in XX/XX/XXXX brining my account current until XX/XX/XXXX. On Friday XX/XX/XXXX I realized I hadn't made my payment so attempted to call C4C however wasn't able to reach a representative ( C4C confirmed call based on call logs around XXXX Friday ). I tried logging into the online system however wasn't able to log in. The next day Saturday the XXXX I realized that C4C was closed so I reset my password online and utilized the online system. I made a payment for the month of XXXX and the month of XX/XX/XXXX. The online system indicated that they process all payments after XXXX M-F the next business day however the system did indicate that the payment was made on XX/XX/XXXX. On Tuesday I received a credit alert that I was given a 1 month late on my credit. I contacted C4C and initially spoke Ms. XXXX XXXX ( Supervisor in customer support ). XXXX indicated that they do not process payments over the weekend and that the reporting is correct for the XXXX. I later escalated the issue to Mr. XXXX XXXX ( Director of Loan Servicing ), Mr. XXXX advised that he looked into the situation confirmed my call on Friday the XXXX however declined to make any changes. I proceeded ( several emails available ) to provide documentation associated with CFR XXXX associated with Regulation Z and pavements. - A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. Mr. XXXX indicated that this does not apply to his company as they are closed on the weekends and wont process payments until the following business day. I don't feel that not accepting payments and not applying payments that are made on their website ( that show a payment date of the weekend day ) should reflect a payment date for either credit reporting nor late fees is reasonable. I also don't believe based on the official clarification of the guidelines this complies. This damage to my credit is now causing me to lose out on a refinance of my mortgage that was schedule this week.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX  that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting

Tax lien is not mine I have disputed this with the other agencies it was all removed would like them to provide me with the name the number and the extension of the person who they talk with
Product: Mortgage

I'm filing a updated complaint against Carrington Mortgage. Since they reported 2 months behind on my credit report when I'm under an FHA unemployment loan program. They not not suppose report negatively to the credit reporting agencies.

Carrington is reporting that I'm 2 months behind on my mortgage and I'm under the unemployment loan program. Since this report, I have companies that I'm current on decreasing my credit or closing accounts to this negative unfair reporting.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Owed : {$1200.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Owed : {$590.00} XXXX XXXX  ( Original Creditor : Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX  Reference # XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX