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

We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an online XXXX XXXX, the industry shut leaving us no way to produce XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high XXXX 's to the XXXX 's. My credit is impeccable I have not made a late payment in over 20 years.
Product: Debt collection

I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!
Product: Credit reporting or other personal consumer reports

For several years I've been disputing accounts. Each and every time a company " verifies is correct '', equifax just takes their weird for it and closes the dispute. I am just notified that it was verified a correct and the dispute has been closed. The company doesn't offer any information about what they even verified or how or who did what when. I am also starting to think each dispute resets the time it stays on my report. I am not sure though. That would be not very nice of equifax to not inform me of. Disputes take a really long time. Are never investigated. Very obvious sent to company who gets to it after way too long and simply pulls up my account and says yup there it is. Verified. Sends back to equifax with zero information or proof of any actual verifying. Equifax says good enough thank you. Closes it all up let 's me they did absolutely nothing.

They say I can't see certain info on my report because I am not a certain membership level that is paid. I understand they don't remove stuff for me for free but I should at least be able to see it.

My report looks insane! I'm waiting for multiple dispute results just to do a few more. Obvious typos in my name and addresses to the point I look completely insane. 
I see my report was run by an apartment community yet I have no public record info?!?! No background info?!?! No eviction info?!?! At all on my report!!! I am realizing this is because no place is providing this info to consumers at all. Only each other. They do not even allow to run a self report even if you pay for it. Which is insanely scandalous. I see that under a different name like equifax rent or something they have a separate site with separate reports including evictions and criminal history. I see on this report as a hard inquiry but none of info that was disclosed. In fact for that stuff it just says no record WHICH IS NOT EVEN POSSIBLE as I have many of each. This is simply because landlords are paying for it and consumers are not and it has flown under fcra radar for a while. Even when I paid for their service they didn't clean up report. They removed some info from people finder sites but we're also reporting it there. 
I have filled multiple disputes over and over, the same ones. It's been years. Not once checked into by equifax or ever removed when it is so obvious that there is duplicate info and serious fcra violations. If anything my report has gotten worse and more chaotic. Every time I look i have another version of my name misspelled. Another same address with another typos. I literally have child support enforcement as an employer and na which is new?! No new employment and receiving child support makes the dept my employer?! 
This is just careless and silly. Not even a trusted or resurrected provider of a valid legit report any more. This in no way reflect s my consumer profile. Just an incompetent company looking to quickly turn a profit at the customers expense. I feel tricked into my information only to use it against me while telling me it's helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF $XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)
Product: Mortgage

I received a response I was not eligible for the Dodd Frank Certification ( Frank Dodd ). Equity I'm uploading the letters that show  proof I was eligible. 
Representative XXXX XXXX - Contact # XXXX I still have not received the credit. WellsFargo is not reviewing the information, if they did, I would not have to state the issue is still unresolved. 

I would suggest that they look at my file & what was being offered to customers during the time period.
Product: Credit card

On XX/XX/XXXX i was delivered an improper delivery of a billing statement from American Express and noticed billing errors on the statement. I do not believe i was given a fair billing error dispute. The adjusted balance at {$1100.00} is incorrect and the new balance at {$1200.00} is incorrect. The issuer, American Express National Bank did not fulfill their obligation by adding the interest rates of APR for Purchases, in which i purchased using the Card for personal, family and household purposes, So interest charged on the statement is {$0.00}, which is a billing error. Same thing with fees I have returned payment ( billing statement ) back to American Express National Bank and did not adjust the fees onto the Account. The Fees on the statements is {$0.00}, So interest charged and fees are COMPUTING ERRORS according to the Fair Credit Billing Act. I am indirectly involved into the Account and if American Express National Bank do not fulfill their obligation and then i am affected and held liable. According to the Fair Credit Billing Act this is a billing error. My name is attached to Part 1 of the Cardmember of the Agreement not Part 2. No where in Part 2 of the Cardmember of the Agreement does it say " I XXXX XXXX promise to pay ''. The issuer is identified on part 2 of the cardmember of the Agreement, not me. I have fulfilled my obligation by using the Card i had applied for. The agreement says American Express National Bank promises to pay all charges. My intention is to operate in good faith and for the Account to be credited. Attached to this is Part 1 and Part 2 of cardmember agreement, Fair Credit Billing Act, My dispute letter, and the response from American Express, billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 card or prepaid card

On XX/XX/2018 my XXXX  XXXX Debit Card was compromised at a hotel in XXXX XXXX Nevada. My Social Security XXXX check is deposited into this account around the XXXX of every month. In XXXX of 2018 the amount of {$1000.00} was stolen out of my account. XXXX XXXX   did not offer to help me in any way and treated me very poorly. I was stranded in XXXX with no money no car and no place to stay. they would not accept my calls or would hang up on me. They would not give me any details about my account, have been extremely rude and have not offered to return any of the money while I dispute the {$1000.00} stolen money from my account. It has now been 2 weeks and I to not know anything and have not recovered any of my money. I have read hundreds of consumer affairs complaints where many people are currently going through the same thing.
Product: Student loan

I have never had a late payment with Navient ever and not to long ago they reported my loan late and made my credit drop 100 points. I need this to be fixed asap. I tried dealing with Navient and all they said that they ca n't do anything about it and that I need to contact the credit bureus and dispute it like that. I believe this happen in XXXX.
Product: Checking or savings account

- I've been a customer with Chase for over 6Y, & I have been VERY satisfied with their service, I have a checking, Saving & two credit cards with them. 
- This XXXX. I finally started my own business ( XXXX XXXX XXXX ). 
- On XXXX XXXX, I went to " My Bank '' Chase to open a business account, the banker " XXXX XXXX '' was really very helpful, she opened me a business account & a credit card for business. 
- I got an email confirmation about everything & that it is all OK, so, I used the bank account to make 2 payments related to the business, one to XXXX County, & one to XXXX XXXX. 
- on XXXX XXXX, I tried to login to my bank account online, I discovered that my login is suspended! - I was never notified the account was restricted formally until more than a week after-. 
- I went to the nearest branch, the banker told me they restricted your account & they didn't mention why! The banker told me " They didn't mention any reason ''. She gave me a phone number " maybe '' they would know why! 
- I called, the rep advised that they failed to verify my identity! ( I already have 4 accounts with chase & have been dealing with them for over 6 years )! He asked me to take my social security card, DL & go to a Chase banker to verify my identity! 
- I took them & went to the same banker opened the account, she wondered & told me " I just copied your info from your other accounts '' ( they all linked ), she scanned both of them ( SS card & DL ), and uploaded them, but also couldn't solve the issue, & didn't know why or what was the reason! After talking to her manager ( who also didn't know why they closed the account! ) they ended up that I might have an identity theft, which scared me ( I'm planning to buy a house ). They printed me the contact info of the 3 credit bureaus & advised me to check with the Social Security Admin. ASAP. 
- After wasting 3 hrs with the SS Admin. & get my Credit report, I found everything is perfect & I don't have any problem. 
- I want to know why they restricted my account, WITHOUT ANY REASON! & put me in this situation with my creditors?! If there is a problem ( and there is not ), why they didn't just put things on hold till they confirm anything - again, I wasn't just walking by & decided to open an account, I've been dealing with Chase for over 6 years ). Is it discrimination or not to pay {$300.00} new acc bonus!!!! They wasted my time ( a LOT of time ), scared the XXXX out of me ( Identity theft issue ) & might affect my credit so bad ( XXXX XXXX ) - I was NEVER late on a payment my whole life!!!
Product: Credit reporting or other personal consumer reports

I do not recognize a inquirie made for XXXX XXXX XXXX XXXX  on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents. 



I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

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

I received an email receipt that shows that I signed up for a subscription service by TransUnion for a " TransUnion Report, Score, and 3-Bureau Credit Monitoring ''. I must have clicked something that did not explicitly state that I was going to be paying and continually billed {$24.00} a month. This receipt was sent on XX/XX/2020. I cancelled the subscription on XX/XX/2020. Again, it was not explicitly stated that this charge was being made to my credit card. I want confirmation that this has been cancelled.
Product: Debt collection

The debt sent to the collector was originally from a medical facility. I looked it up, Since I recently got XXXX, I wanted to make sure that it would be paid under SS, I called the original biller. Originally, I had tried several different angles to get the collector to work with me. When I finally called the Doctor/hospital, I found the bill didn't even exist. The debt collector refused to remove it. Spoke to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Equifax requesting a free credit report. However, Equifax failed to provide the report by mail. 

I have attached proof of letter sent to Equifax requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification
Product: Student loan

The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable?
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 has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

A recent job loss cause me to fall behind on my mortgage, and my mortgage company offer me a loan modification to help but the payment from the modification was the same or if not more than what I was paying before my hardship. so I made the down payment but fell behind again. I contact the mortgage company and they sent me a package to modify again so I did it promptly and when I called to follow up they told me that my house is in foreclosure status already and the person who sent me a package via email and thru the mail sent the info by mistake. I thinking that I had hope to find out I was given out false information. Please vacate the premises in 30 days. I had the house since 2004.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Equifax credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX : Report Number XXXX : Experian has been contacted by mail which their 30 days past due to respond back this fraudulent reporting and also contacted Experian by phone. On my Credit report the following collection company XXXX XXXX XXXXXXXX XXXX added on my credit report in the Status section states Creditor can not locate individual. So if this debt collector can't locate the creditor then how is this my debt? this is fraudulent reporting and inaccurate reporting. 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports 18 U.S.C. 1028A : Aggravated identity theft 15 U.S.C. 1681b : Conditions for furnishing and using consumer reports 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Legal Rights : According to 15 U.S.C. 1681c-2, you are required to block the information resulting from identity theft within four business days of receiving my request. Additionally, under 15 U.S.C. 1681g ( a ) ( 5 ). The following account is fraudulent XXXX XXXX XXXX XXXX Account number : XXXX Creditor can not locate individual.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELETED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have recently reviewed my credit report and found inquiries that I did not authorize, which I believe are the result of identity theft. These inquiries are negatively affecting my credit score, and I am requesting their immediate removal from my report. 

The unauthorized inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Checking or savings account

i would like to pls ask assistance to reach to higher department with my bank BMO multiple phone call has been done with the customer service rep ( spoke to XXXX, XXXX, XXXX ) and i was promised that the refund will be released/reflect anytime last week, but no refund yet showing on my account coming from XXXX  for {$370.00}, i was told that problem causing the delay is due to the new debit card, But it was still dissame account, reason i was issued a new debit card is due to an authorized transaction, i was told by the 3 BMo rep ( XXXX, XXXX & XXXX that they can see the refund issued by XXXX  but my It was rejected due to the new debit card issued. pls see attached proof below.