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

There is inaccurate information on my Equifax credit report relating to my student loans through the XXXX XXXX XXXX XXXX. These loans have been paid off and closed for several years and XXXX Was able to remove them I contacted Equifax they verified my identity and opened a dispute. That disput has been closed and the information was updated with incorrect information and now Equifax will not verify my identity even though I answer all the same questions with the same answers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Identity Theft Request for Fraudulent Items Removal Dear XXXX, XXXX, and TransUnion, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I have recently discovered that unauthorized accounts and/or inquiries have been reported under my name and Social Security number. These accounts were fraudulently opened without my knowledge or consent. Under the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair and Accurate Credit Transactions Act ( FACTA ) **, I request the following : 1. **Immediate Removal of Fraudulent Items : ** - Remove all accounts and inquiries identified as fraudulent from my credit report. - Ensure these accounts do not reappear on my credit report unless validated by me. 2. **Fraud Alert Placement : ** - Place an extended fraud alert on my credit file for seven years to protect against future fraudulent activity. 3. **Verification of Disputed Items : ** - Provide documentation used to verify the accuracy of the disputed accounts, including the application or transaction details. I have enclosed the following documentation to support my dispute : - A copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - A copy of my police report or Identity Theft Report filed with the FTC - A detailed list of the fraudulent accounts and inquiries Please conduct a thorough investigation into this matter and respond within 30 days, as required by law. Additionally, I request written confirmation once the fraudulent items have been removed and my credit file updated. THE ACCCOUNTS ARE LISTED BELOW XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XX/XX/XXXXXXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had Wells Fargo within the time of XXXX and believe I am owed reimbursement of fees charged to my account in that time.
Product: Checking or savings account

Filed a dispute for rampant fraud on my checking account. They have provided me with provisional credit for some of the transaction but have yet to provide me full credit. Its been past the 10 business days required by reg E
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters disputing items on my credit report but haven't received an update about the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity and my social security card and been trying take out loans and. Been. Trying to fall tax in my name also unemployment in other states
Product: Debt collection

In XXXX I paid off the balance to the XXXX apartments and with the help of CHAP when I moved out. 2 months after I moved out they put this balance of {$1300.00} that I have no knowledge of I paid off my balance now this is on my credit in collections. Also paid everything with a money order so I dont have proof unfortunately.
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 : Bankruptcy # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXX/XX/XXXX# XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  XXXX  # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX SALES XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX NAME : EMPLOYER : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX  XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX
Product: Debt collection

I contacted American Medical Collection Agency on Friday, XX/XX/2019 to pay for an outstanding balance with XXXX XXXX. The initial bill was reduced from {$1000.00} to {$150.00}. I gave AMCA representative my card and he gave me a confirmation number XXXX that the account is paid in full. On Tuesday, XX/XX/2019 I noticed that I was charged twice. I called AMCA and spoke with 2 representatives who assured me that they would review and take care of the double charge. The same day I emailed them a printout from the bank showing a double charge. To date, they still have not refunded the overpayment.
Product: Mortgage

On XX/XX/year>, I entered into a contract with XXXX XXXX for the purchase of my home ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with a closing date of XX/XX/year>, based on XXXX 's pre-approval for a loan from Wells Fargo. This sale, with the contracted closing date on XX/XX/XXXX, was a contingency for the purchase of a property in Colorado ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with a contracted closing date on XX/XX/year>. 

On XX/XX/year>, I was informed by my agent, XXXX XXXX, that closing would be delayed due to a delay by Wells Fargo in the processing of XXXX 's loan. Wells Fargo did not indicate any issues with the loan up until this point or at any point on XX/XX/XXXX or XXXX, and representatives from Wells Fargo ensured my agent and XXXX 's agent ( XXXX XXXX ) that they were working around the clock to close the loan and hoped to close by Friday, XX/XX/XXXX. On XX/XX/year>, I was informed by my agent that Wells Fargo denied XXXX 's loan ( 2 days after the original contracted closing date ). 

As a result of Wells Fargo 's negligence in processing XXXX 's loan, I was unable to complete closing on the Colorado property by the contracted closing date, and the sellers of the Colorado home terminated the contract. Wells Fargo failed to provide timely notifications and communication with the buyer and his agent regarding the status of his loan. As a result of Wells Fargo 's negligence, I was unable to respond to the delays in the sale of my TN home in a timely manner, and as a result, my fiance and I have incurred financial losses totaling over {$45000.00}. This does not include the emotional damages and impact this has caused as a result of these deals crumbling. Additional details regarding the timeline of events, including points of communication with Wells Fargo, and costs incurred by myself and other parties involved, are attached to this complaint. 

Wells Fargo 's code of conduct repeatedly states their employees ' responsibility to act with the highest standards of trust and integrity, do the right thing in the right way, hold each other accountable for the outcomes of their actions and decisions, engage in fair and honest business practices, and provide accurate, timely, and clear disclosures to customers. Wells Fargo and it's employees need to honor their code of conduct and hold each other accountable for the outcomes of their actions regarding how this loan was managed.
Product: Checking or savings account

Chase Bank I pay my rent through bill bay, however, back in XXXX the check was intercepted and someone washed my landlord 's name from the check and inserted their name. It has been over 4 months now and I recently received a letter stating the case has been closed because the other bank " XXXX XXXX XXXXXXXX '' has not responded. The amount due to me is {$2200.00}. I believe being a " Chase Private Client '' they should take care of their clients. The bank should have covered the amount as the check was sent from Chase, then follow up with XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX XXXX is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from credit report
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I had a unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with XXXX for about 6 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error.
Product: Credit reporting or other personal consumer reports

I have submitted police/identity theft reports to XXXX, XXXX, XXXX, XXXX to show that accounts from the U.S. DEPARTMENT OF EDUCATION are not mine i have sent my id to them numerous times showing my correct address and name as it appears on my id is what i want on my report and explained to them my credit report was exposed in the data breach. I have also sent documentation showing them that capital one was paid in full by progressive insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 

Dates : dating back since XX/XX/year> its in their records i can pull up anytime the dates. Amounts : XXXX XXXX XXXX XXXX paid in full vehicle is in possession of XXXX XXXX  still showing i owe them in the amount of {$2000.00}. 

US Dept of EDXXXX {$21000.00} the college they claim i attended XXXX XXXX XXXX XXXX has no information on me ever attending the college this has been on my credit report for years not even being my bill.
Product: Debt collection

TSC is non-responsive and is not providing any form of verification, either in this or the other responses, nor over the phone. What XXXX XXXX provided is simply a copy of a bill in my name. I believe this bill was made in error and have requested proof that I was the one that received this service. A simple bill with my name on it does not prove this is my bill. As it is not my responsibility to prove this debt, I consider this debt invalid until TSC can prove that this is my debt and not an error on their side or the originator of this bills side. 

My Rights Under California 's Fair Debt Collection Practices Act and TITLE 15 -- COMMERCE AND TRADE, state that I must be provided proof that I owe the debt. Simply providing a bill with my name on it is not proof of responsibility. The fact that TSC states that they " believe '' this " account is accurate '' is just their opinion, not proof or validation of the debt. As such TSC is violating my rights. 

In addition, TSC has not proven that if this is even a valid debt, that they have been assigned the debt for collection. 

As I stated before, the continued reporting of account, # XXXX, for the current amount of {$220.00}, without all the above validation has caused me harm, and will continue to cause harm. As I have now brought this to their attention multiple times, and their refusal to remove this from my report until such time as they can provide debt validation, is a violation of my rights under the California 's Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am filing this complaint against Equifax for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information On XXXX XXXX XXXX, I filed a dispute with Equifax regarding inaccuracies on my credit report. I explicitly requested a manual review of the disputed information due to its complexity. Along with my dispute, I provided clear supporting evidence, including highlighted copies of my credit report that identified the errors. 

However, instead of performing the manual review I requested, Equifax processed my dispute electronically through the E-Oscar system. This system does not ensure a thorough investigation, as it is designed for more straightforward disputes and does not address complex cases properly, as required by the FCRA. 

The response I received from Equifax was vague and did not provide sufficient details regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. Under the FCRA, Equifax is required to provide a detailed and fair investigation when I dispute inaccurate information. This failure to conduct a proper investigation is a direct violation of my rights. 

2. Failure to Address 1099-C Non-Issuance by a Collection Agency In addition to the dispute, I have raised concerns about the failure of a collection agency to issue a 1099-C ( Cancellation of Debt ) for a reported debt. Despite my dispute, Equifax continues to report this collection account without verifying its validity or ensuring that the collection agency issues a 1099-C as required by federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By allowing the collection agency to report this debt without fulfilling its obligations under the law, Equifax is facilitating potential reporting inaccuracies and violating federal regulations. The non-issuance of the 1099-C further raises questions about the legitimacy of this debt, and Equifax 's failure to address this issue contributes to the inaccurate reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the EDUCATION and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Payday loan, title loan, or personal loan

I have called several times, they insist in sending me an XXXX to let me know how is my account. THE XXXX THAT THEY SENT WITH NO NAME OF THE BANK, NO BALANCE!! WHAT IS THIS? WHY GOODLEAP HIRE THIS COMPANY? 

GOODLEAP WASH THEIR HANDS BY SAYING THAT YOU ARE MOVING TO AN OUTSIDE VENDOR. I DID MY CONTRACT WITH LOANPAL, THEY SEND MY ACCOUNT TO GOODLEAP. 
GOODLEAP SHOULD BE ACCOUNTABLE ALSO Every time that I go to the website, they don't show the ACTUAL BALANCE OF THAT DAY LIKE ANY BANK OR CREDIT CARD WEBSITE. 
They are supposed to have an online website where it says your payments and your balance. 
They don't show the balance so you can not complain about the account. 
Even when you complain they send an XXXX done manually by someone!! 
And of course without the balance account! 
Horrible service! 
Horrible website, will not tell how many payments you made, your balance, and then they ask you to look on the monthly statements while THEY CHARGE BY DAY!! 
We are supposed to know how is our balance like any credit card, loan, bank website. 
Would it be possible to audit my account? To whom I need to reach out for an audit? 

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

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : XXXX/XXXX-XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX  XXXX 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

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please provide me with a written response to this dispute and let me know the results of your investigation.