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

My Information was sold and bought illegally because I was a victim of the Equifax data breach. This resulted in numerous fraudulent accounts being opened due to Identity theft, I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

The name should be listed as XXXX XXXX XXXX XXXX. 

The current address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Accounts listed in error : Name XXXX XXXX Account XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

The Money Source has held my escrow overage for two consecutive years. I am due a refund for XXXX and XXXX totaling approximately {$2200.00}. I have called numerous times and they continue to make excuses. I would also like my payment amount recalculated.
Product: Credit reporting or other personal consumer reports

I filed an Identity thief report I was unable to list all the inquiries. Asked bureaus to remove the inquiries Equifax removed them but not XXXX and XXXX! They did not remove all the unauthorized inquiries. 
FTC Report 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked for Validation and the letter attached is what i received I want the actual contract that i signed.
Product: Credit reporting or other personal consumer reports

For the record Affiant XXXX XXXX XXXX MORTGAGE has repeatedly failed to comply and produce supporting documents of their fraudulent claim Below I have attached addition evidence of my correspondence with this corporation / agency citing laws, and questions that XXXX XXXX XXXX Mortgage is required to by law to answer and comply with and they continue to show complete disregard for the law and their policy. Continue to harass and violate consumers rights XXXX XXXX XXXX. XXXX without providing evidence of a lawful and enforceable contract Pursuant XXXX U.S.C XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX XXXX Mortgage and agent known as " XXXX '' has not validated the alleged debt/mortgage well over the ( XXXX ) day since the first dispute I have reserved my rights to amend the contract and found that the contract was not valid to begin with. 
Pursuant XXXX XXXX. XXXX ( B ) Any accuracy must be removed immediately Therefore because there is now lawful valid contract I lawfully demand this to be corrected from my consumer report in accordance with the law and the FDCPA Pursuant XXXX XXXX XXXX and according to XXXX XXXX there is no debt and I demand for the account to be discharge in full and all alleged late payments be deleted I have the right to sue for this fraud, defamation of character, violation of rights, deprivation of rights and this report/complaint is evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to point out every complaint I have done with Experian they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ).

I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Experian can not prove that it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my Experian and XXXX  credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.
Product: Credit reporting

Equifax is reporting that XXXX XXXX XXXX said my prior mortgage was discharged in Bankruptcy. It was not. It was settled in a short sale a year prior to bankruptcy. XXXX, after direct contact, has said I am correct and refuses to acknowledge that they reported it as discharged in bankruptcy.. But Equifax , after XXXX disputes has failed to do a proper investigation and correct the misreporting. They were even provided all the proper documents showing this was not in bankruptcy. They continually tell me it verified electronically. I told them that there is an error somewhere, they do n't seem to care. They have also failed to provide the information of who at XXXX is wrongfully verifying that this was discharged in bankruptcy. XXXX denies that they are verifying this incorrect info. Equifax also provides only XXXX generic contact info not someone who deals with credit or this issue. After XXXX disputes over 1 year this remains uncorrected.
Product: Credit card

In XX/XX/2023 I received a call from Barclays indicating suspicious activity in my credit card account ending XXXX. I confirmed I did not make the transaction and agreed to have a new credit card issued. Barclays issued a new credit card ending XXXX and a provisional credit to my account for the disputed amount of {$71.00} while the activity was investigated. 

In XX/XX/2023, the disputed amount of {$71.00} was placed back to my account. I contacted Barclays who indicated that the investigation was concluded and I will receive a letter. No information regarding the investigation was provided bythe customer service representative. 

Barclays letter dated XX/XX/2023 reads as follows : We have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. As these transactions are valid the provisional credit has been reversed and the amount owned has been placed back on your account. 

Unfortunately, Barclays failed to include copies of the documents provided by the merchant, therefore I do not have any evidence of this investigation. I do have a name, address, purchased item, or phone number of this merchant or whoever committed fraudulent activity. 

I have been sending numerous letters to Barclays requesting copies of the documents XXXX provided. As of this date, I havent receive the requested information from Barclays. Just the same response. 

I look forward to your reply and a resolution to have Barclays remove the fraudulent credit card charges from my credit card.
Product: Debt collection

Bull City Financial Solutions , Inc XXXX {$160.00} XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all XXXX credit bureaus there is an account listed from TD BankXXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called TD Bank an was told this was for a XXXX XXXX. I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all XXXX credit reports. I called XXXX XXXX who then called TD Bank they said they were unable to find the account. I am a victim of identy theft from XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below credit XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX and experian keeps reporting this XXXX  XXXX  XXXX  account to my credit profile and it was removed.
Product: Credit card or prepaid card

My Application was denied, because of a problem with verifying my identification and I would like to verfiy it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I used points to redeem a credit on my XXXX XXXX credit card to get ahead of my balance. Once I did this XXXX XXXX took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but XXXX XXXX refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with XXXX XXXX, Equifax, XXXX  and a complaint to the XXXX. XXXX XXXX has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. XXXX XXXX needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
Product: Money transfer, virtual currency, or money service

Awhile back someone scammed me on a social media platform and asked me to send them money and said that they wanted to meet up and never happened and took my money.
Product: Debt collection

This is from XXXX and the amount us {$990.00} We have been receiving Bills and now collection notice from XXXX XXXX XXXX. 
I had gone for a regular physical and the doctor had ordered blood work. I had clearly told the XXXX XXXX XXXX, XXXX NJ XXXX ( XXXX  entity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send the blood work to XXXX XXXX the lab covered by my insurance. They did not send it to XXXX and instead did it at the XXXX XXXX XXXX and are now charging me for it. I am not responsible for their mistake. Especially when this should have gone to a lab covered by my insurance. 
I had reached out to them to inform of this mistake and they Lied to me saying it was send to XXXX. I checked with XXXX and there is no record of any bloodwork for me at that time. 
I sent XXXX XXXX another letter and asked them to correct this error. They did not get back to me and sent a collection notice date XXXX XXXX that I did not receive till XX/XX/XXXX. 
I would like your help in stopping this harassment by XXXX XXXX XXXX or trying to ruin my credit score for a bill that should not have been generated in the first place.

I tried calling Certified Credit and Collection and they disconnect the phone after saying they are helping other customers/. The File number is XXXX
Product: Debt collection

Also, not enough information to verify debt. This company was submitted this collection by XXXX in XXXX 2014, they are just now reporting. I have contacted all parties involved. CCS is giving me inaccurate information and will not provide me correct information in any form. I never knew I owed this amount and never have received any information until it showed on my credit report today. They show inaccurate coverage of vehicle for the insurance as well. I do n't believe they have any rights to this collection at all.
Product: Mortgage

My loan was transferred to Specialized Loan Servicing in XXXX 2015 and they have neglected to pay my special assessment taxes and now my home is in foreclosure status. I have copious amounts of notes showing my contact regarding this issue since XXXX 2015. 
In addition I have been sent incorrect escrow analyses showing they have paid irrigation taxes and I pay my water bills monthly. They also have incomplete documentation on all my calls. 
They indicate they will take care of the situation but 4 months later it is still on going.
Product: Credit reporting or other personal consumer reports

FCRA Violations not mine Not my credit card XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Not mine XXXX XXXX XXXX XXXX  Account number XXXX Account type FHA Mortgage Responsibility - Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XXXX XXXX Balance never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type not my phone number ( XXXX ) XXXX ( XXXX ) XXXX not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Credit Acceptance Corporation has violated my rights. 15 USC1681 section 602 A- States I have the right to privacy. 15 USC1681 section 604 A section 2 - also states a consumer reporting agency can not furnish a account without my written Instructions. 15USC 1681c a 5 section states, no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 A 1- states 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, also they are not in compliance with reporting standards FCRA FDCPA Credit Acceptance Corporation account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

Regarding home equity loan #  XXXX , I am forced to file a second complaint as only part of the issue has been resolved. Specifically, I was charged excess interest, inappropriately, and despite my repeated attempts to get acknowledgment and reimbursement of the sam e, Citibank has  been silent in any and all written communications on the subject matter. Per the attached docume nt ( mo nthly statement for the period between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  ... the last statement ), I was charged {$44.00} for interest at 2.49 % for the 17 day period between  XXXX  and  XXXX . The loan was fully repaid, however, on  XXXX  ( per  XXXX  's automated system of which I just received confirmation again today, after speaking with another Supervisor -  XXXX  - who told me she had to start the dispute process all over again  )  ; hence I am due about {$25.00} back. I had disputed this along wi th Citibank 's charge of a county re cording fee for {$350 .00} (  of which I was never advised, notwithstanding their statements to the contrary wherein they claim they advised the third-party financial broker who was helping to complete the wire transfer in satisfaction of the full pay-off amount that Citibank had mandated, without any details as to what that was composed of ), which they have now refunded, but the excess interest charge was wholly ignored ( ag ain ) in their resp onse, as was the requested explanation of their course of action ( now and on a go-forward basis to prevent a recurrence of these types of errors, which unfortunately have been the norm rather than the exception in my dealings w ith Citibank on t his loan, going back to the loan 's inception and in between then and now  ). T he statement ( their statement ) and the math are both crystal clear - this wrong seems wholly indisputable and I am at a loss as to what else I have to do to get back the monies that I was charged in error ( and seemingly illegally ). I should be due interest for the four months that have now passed in trying to get this resolution ( and so it would seem that the {$25.00} suggested reimbursement amount would more appropriately be something like {$380.00} based on the referenced interest rate, with accruals continuing until the indisputable claim is fully satisfie d! ). As  such, I would be grateful if you would file a second complaint in the hopes of  getting Citibank t o formally acknowledge their error and provide me with adequate restitution of monies owed to me. Additionally, if there is another regulatory body that should be made aware of this ( seemingly egregious conduct and shirking of responsibility ), I would appreciate you passing it on to the m (  or, alternatively, providing me with the requisite contact information so that I  may do  so ). Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 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. XXXX XXXX XXXX XXXX Balanced {$5500.00} XXXX XXXX XXXX XXXX Balanced {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I had a problem happen with my chase XXXX bank account that started on XX/XX/2022 with a customer of mine XXXX XXXX. She had paid my company for her long distance move for a cost of {$4600.00} paid with 2 separate checks one for {$2000.00} and the second for {$2600.00} on XX/XX//2022. After the customer paid the following day she wanted to cancel so I refunded her in full the {$4600.00} deposit and canceled the service. I told XXXX allow 24 - 48 hours for the funds to be available in her checking account and she confirmed with me that she understood. The following day on XX/XX/2022 I noticed that one of the checks she paid with for {$2000.00} was charged back after I had paid her the full deposit back of {$4600.00} and the {$2000.00} was deducted out of my XXXX  account. XXXX XXXX now had a total of {$6600.00} which is {$2000.00} more than what I refunded. XXXX stopped speaking to our company and staff and when I asked her about this she then threatened me with false reviews and claims towards my company and refused to give back the additional {$2000.00} she had taken. I notified chase bank and they put a stop payment on the {$4600.00} reversing it back to me so I could recoup the {$2000.00} loss on XX/XX/2022. On XX/XX//2022 I noticed on my statement that the reversal failed and went back to XXXX XXXX. I went to Chase bank and showed them what happened and they refused to help me and said I had to make a claim and need to handle with the customer. The customer XXXX refused to speak with me and continued to threaten me with false claims and reviews if I did not stop contacting her. When I tried to submit a claim with Chase bank they did not accept it and would not let me file. I then went to the police station and filed a police report against the customer that I then took back to Chase bank and showed them and my statements a second time of what happened. They started to take my case more seriously and told me they would help me out and recoup the funds. Since XXXX of 2022 Chase Bank has not done anything for me and when I ask for updates they don't give me any answers or try to help. They assisted this customer with taking additional money from my business and when I speak to the police they tell me this is a clear case of fraud. I need help now I am a small business owner and have been taken advantage of by my own bank J.P Morgan Chase Bank.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is JPMCB - CARD SERVICE with XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX with a balance of {$1200.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Money transfer, virtual currency, or money service

Poor customer service and misleading terms of service
Product: Credit reporting

Experian is not responding to my requests to investigate and remove the accounts from my credit report that do not belong to me.
Product: Vehicle loan or lease

I bought a car at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. I spoke and worked with XXXX XXXX Sales Associate, New Vehicles, Tel : XXXX. 

XXXX sold me a set of services that I did not need and I canceled them the next day. He was out that day so we emailed and I spoke whit his supervisor - XXXX   Whom emailed me letting me know that the services had been canceled. 

In discussing a different issue with the Lender- Wells Fargo- I found out that the services where included in the loan and that the XXXX  dollars I had paid to the dealership had not been applied to the loan. 

I have emailed, phone and try to talk to the folks at the dealership but they are unresponsive.