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

Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified each of the credit bureaus that XXXX XXXX XXXX ( XXXX XXXX ) XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the recent dispute resolution for my XXXX account. Although I provided a 1099C cancellation form, which necessitates the removal of the account from my credit file, the dispute was not upheld, and the results indicated 'verified as accurate. ' However, the dispute reason result did not correspond with my initial dispute. I am not requesting a reassessment of the 1099C form but rather seeking reasonable proof to justify the 'verified as accurate ' outcome. Specifically, I request a comprehensive list of representatives contacted for verification, clear documentation, and evidence of the databases employed for verification. In the absence of this information, I expect the account to be removed from my credit file immediately.
Product: Debt collection

I'm trying to handle this Dispute with the collection agency, and they referred me back to the creditors about a debt that I do not owe. 
When I contacted the creditor, they no longer have my file. 
I Paid full months ' rent was on a month-to-month rental, never late also was not given back my deposit. 
my deposit was {$500.00} the rent was {$620.00} & I had One month extra paid rent. XXXX XXXX XXXX Apartments Owe me a total of {$1700.00} This Apartment complex became very unsafe for me and my kids. I had to move immediately due to the severity of the situation. 
There were people squatting in empty apartments not on the LEASE and these people were banging on tenant 's doors at all hours of the day & night. I was being stalked, followed and asked for change or food from these people. My kids and I were terrified. I filed a complaint with the front office, they said there's nothing they can do and that I had to call police. Here are the police reports. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a no-fee checking account in XXXX 2013 for {$50.00} with Wells Fargo. I received a letter and statement in the mail my account was closed for lack of activity. I called requesting a refund of the {$50.00} and was told it would be mailed. Three to four weeks later I made a follow up call that I did not receive the refund. I was then told I had no refund because the money was used paying service charges. After complaining again, I was told since the prior person I spoke with stated I would get the refund, they would follow up. As of this writing, I still have not received the refund or any follow up. They stated because I was notified in previous statements it was my responsibility to have seen the notice and responded. I explained I was told no service charges and had no charges until recently and did not know my account was closed without my acknowledgement only after I went to a XXXX balance. I 've seen so much about Wells Fargo in the news between the bad student loans and opening false accounts for their customers and receiving the huge fines, I 'm feeling like I have been taken advantage of and should expect a full refund of {$50.00} Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX XXXX  account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter out on XXXX asking for a security freeze to be placed on my consumer Disclosure report and didnt receive any correspondence. I also sent a second letter out on XXXX asking again to place a security freeze on my report again and still no correspondence..
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX has been reported to Experian in the amount of XXXX XXXX XXXX and XXXX Dollars. XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( ME ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am saddened to report that XXXX, XXXX and Transunion are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Product: Money transfer, virtual currency, or money service

I MADE A WIRE TRANSFER TO COINBASE OUT OF XXXX XXXX XXXX ON XX/XX/XXXX AT XXXX. MY WIRE HAS NOT BEEN POSTED TO MY ACCOUNT. I HAVE CALLED COINBASE EVERY DAY SINCE XX/XX/XXXX TO NO ASSISTANCE FROM CUSTOMER SERVICE. THEY ASK ME TO OPEN UP TICKETS TO WHOM I HAVE RECEIVED NO RESPONSE FROM. I HAVE ALREADY OPENED 4 TICKETS ( I CAN PROVIDE THOSE TICKET NUMBERS IF NEEDED ) AND NO RESPONSE FROM ANY OF THE EMAILS. I HAVE EMAILED PRIORITYSUPPORT, COINBASE SUPPORT, WIRE SUPPORT NO RESPONSE. MY MONEY WAS TAKEN AND NEVER POSTED TO MY ACCOUNT WIRE AMOUNT IS XXXX . XXXX XXXX HAS CONFIRMED THE FUNDS WERE SENT TO COINBASE THE SAME DAY THE WIRE WAS INITIATED XX/XX/XXXX. COINBASE HAS TAKEN MY MONEY AND REFUSES TO CREDIT MY ACCOUNT AND REFUSE TO RESPOND TO ANY OF MY EMAILS AND CALLS AND TICKETS OPENED. I HAVE LOST THOUSANDS IN THIS TIME BY NOT BEING ABLE TO PURCHASE OR DO ANYTHING WITHOUT MY MONEY, THIS IS WIRE FRAUD. PLEASE PLEASE HELP ME.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I lost all access to my accounts due to the PNC/BBVA merger XXXX They assured us access would be restored the following Tuesday, XX/XX/XXXX by XXXX. I have not been able to see one of my business accounts or my personal account since. I have spent over 10 hours on the phone and made two branch visits but the issue still isn't resolved. They are now telling me to wait 14 more days to see my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been working with Ditech on a Deed in Lieu of Foreclosure on my property and throughout the whole process the last XXXX7 weeks was under the impression that we were working on a XXXX application and that I would qualify for relocation assistance and now they are telling me in the final steps of the process that I never qualified for that process but wont tell me why. Now they are saying any relocation assistance offered to me was on their behalf and that the home was not left clean enough for them and they wo n't be giving me all of the money I was told I would get because they are going to be paying someone to clear the property. I feel completely misled and swindled by this company. No one cared to mention to me in the past 6 weeks that I did n't qualify for the XXXX program for whatever reason and now that they 've changed the locks on our house and had me sign all the paperwork they are telling me they wont give me the relocation money at all.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of fair credit reporting act ( FCRA ) violations on my credit report and to request the immediate correction of this error. I identified the following status of this account : XXXX XXXX Auto Account Number ; XXXX Under the federal law 15 U.S.C 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.
Product: Checking or savings account

On XX/XX/23 my insurance was submitted to my account. ( This account is used only for insurance and I make the deposit monthly to cover these charges AND a maintenance fee. ) On XX/XX/23 I transferred the money from my joint account ( used for business ) and my account showed a positive balance. 
XXXX days later I received a notice from truist that my account was in arrears due to nsf for more than 10 days. I accessed my mobile bank app and my account is {$76.00} which is XXXX {$36.00} overdraft fee for my car insurance and a {$36.00} overdraft fee for my homeowners- which both come out the same day ; and the {$5.00} maintenance fee. 
I called the bank as I have opted out of the overdraft protection, and this issue occurred once before and representative was instructed to return these charges if the funds are not available - and they did so once and have now paid the charges and assessed me overdrafts on my account. 
When I called they refused to correct the error -and stated their policy allows them to pay these at their discretion and apply the overdraft fees as a result. The representative also stated that money transfers can take up to XXXX day to complete - even though my account says clearly the funds are available instantly and my account had a positive balance when my transfer was complete. 
I have XXXX accounts with truist, this account will remain in arrears as I will not pay for their mistake. Truist has also implemented a fee on mobile deposits of {$11.00} to access your deposit immediately. Therefore, the joint account will be the next to close. 
Please help me resolve this issue. If the overdraft protection is off it should be off for everything and not for truist to do as they wish when they choose to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Capio Partners LLC,  XXXX, TX has placed several collections accounts on my credit report on behalf of a company called XXXX. I have been alerted to these incorrect postings each month through my XXXX XXXX  on my XXXX XXXX card. 

In XX/XX/XXXX, There was a past due amount of {$610.00}. I was able to get this removed from my XXXX  Report. I believe there was a second charge, but I can't find the paperwork to give you a past due amount. 

In XX/XX/XXXX, There were two past due amounts, one for {$260.00} and the second for {$200.00}. These charges showed up on my XXXX  & XXXX Report. These two charges were removed from my XXXX and XXXX Reports. I called the XXXX, and there was nothing from Capio on their report, thankfully. 

The lastest, XX/XX/XXXX, there are two past due amounts, one for {$140.00} and second for {$98.00}. I have placed a dispute with XXXX, it is not showing on the XXXX  report, and I need to need still to check my XXXX report on Monday when their offices are open. 

Additionally, an address for XXXX, OH keeps being added to my XXXX  Report. I'm in the process of disputing this as well. I have never lived in XXXX, OH. I have never received services at any XXXX  facility. I have never received a bill from XXXX because I have NEVER been a patient! 

To date, I have placed fraud alerts on all three of the credit bureaus. 

I have tried to contact Capio Partners, but no one ever answers the phone. I have left a message, but have yet to hear back from them. 

I have spent probably 12 hours in the last three months trying to resolve these recurring issues. I value my well deserved high credit score, but clearly, Capio is selecting the wrong person and placing negative information on my credit report. I want someone at Capio to look for the  correct individual and leave my record alone. 

Thank you for any assistance this bureau can provide to put an end to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the FCRA, I am requested the method you used to verify the accuracy of account, they did not disclose the method or send me any evidence of verification of the account they have on file. They ignored my request and just sent me a letter saying it has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a account appeared on my Transunion credit report from a XXXX called XXXX XXXX. Upon calling XXXX XXXX I was informed that they have received a ton a calls from consumers complaining about this erroneous reporting. I have never had an account with XXXX XXXX and they were unsure what was happening and would follow up with me in regards to what happened. I demand that the account is removed from my credit report as it is an error and doesn't belong to me. Transunion is required by law to verify account that are reported to them and they failed to do so. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

To whom it may concern : I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 

This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 

I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my SPG cards, where the system didn't recognize the charges hence the credits didnt post. 

I called in to speak with the American Express online Technical Department, and was told by a representative that " all '' the cards were in fact eligible for the credit, and that he will manually credit me for all cards that didnt post the credit on their own. 

Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 

I have also attached images where it can be seen all the credit reversals on my account. 

If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer. 

In question. The fact that all the cards were initially credited, clearly indicated that American Express concurred with the above noted contention. 

They have clawed back thousands of dollars in credits leaving me with massive bills to pay that have never existed before. 

I trust you will do whats right on my behalf and bring this matter to an amicable resolution. 

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

What happened? the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION ARE REPORTING ALL OF THE ITEMS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND I HAVE REACHED OUT AND ASK THAT THEY BE INVESTIGATED AND REMOVED. 

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

XXXX  and XXXX  allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted XXXX points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow XXXX car purchase inquiry turn into XXXX individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take XXXX points off because of XXXX inquires and when they finally came off I got XXXX points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.