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

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax and XXXX for their failure to accurately report credit information, which has resulted in significant harm to my financial standing. Despite multiple disputes and provided evidence, they continue to knowingly report incorrect information, violating the Fair Credit Reporting Act ( FCRA ) and causing me severe financial and emotional distress. Due to these repeated violations and the harm caused, I demand that XXXX be permanently blocked from reporting to my credit files. I am requesting that this complaint be escalated to all parties, Corporate offices, and Officers. 

Complaint Details : Double Reporting and Manipulation of Account Numbers by XXXX XXXX is double-reporting the same XXXX XXXX XXXX XXXX XXXX under different account numbers, repeatedly altering the account details to ensure continued damage to my credit file. 

In a recorded call, a Supervisor named XXXX from XXXX XXXX XXXX XXXX initially stated that XXXX was reporting the accounts accurately. However, she later contradicted herself by validating that XXXX was indeed double-reporting the same accounts with different account numbers. This direct contradiction demonstrates XXXX deliberate attempt to manipulate reporting practices while falsely claiming compliance. 

Equifaxs Complicity in Reporting Inaccurate Information Despite acknowledging the inaccuracies, Equifax continues to report the erroneous data due to its business relationship with XXXX. 

In a recorded call with Sham from Equifaxs XXXX Department, he admitted that the information was inaccurate but claimed there was nothing he could do because XXXX kept verifying the disputed information. 

Sham referred me to the Equifax Business Department, where I spoke with a representative named XXXX. XXXX stated that Equifax could not remove the inaccurate reporting because XXXX is Equifax 's business partner, and their agreement allows XXXX to dictate the reporting. I am including XXXX and XXXX in this complaint so that they understand that a generic response from a dispute process from the data providers is not always accurate. 

Violations of the Fair Credit Reporting Act ( FCRA ) by Equifax and XXXX Violation of 15 U.S.C. 1681s-2 ( a ) : XXXX is knowingly furnishing inaccurate information to credit reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : Equifax has failed to conduct a proper reinvestigation despite clear evidence of inaccuracies. 

Violation of 15 U.S.C. 1681e ( b ) : Equifax has failed to maintain the maximum possible accuracy in my credit report.

Violation of 15 U.S.C. 1681i : Equifax has not properly investigated my disputes, as required by law.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX XXXXccount Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

The bank is charging me a fee of {$35.00} in error due to processing. On XX/XX/2020 I had a balance of {$14.00}. A ach from an investment company for {$5.00} was pending which brought my balance to {$9.00}. On XX/XX/XXXX I used my card at the pump and used $ XXXX this amount is processing. My account was negative by {$8.00}. On XX/XX/XXXX early am I transferred {$10.00} from another checking account that I have with the bank. This amount is still processing as well. The bank charged me {$35.00} for the {$5.00} ACH transaction stating that the {$17.00} was paid even though it is still processing. The {$5.00} is now showing on my transaction history. I do understand that the bank has no control how what gets posted first but the ACH transaction has been pending since XX/XX/XXXX and the gas transaction pending since XX/XX/XXXX. At this point the bank is trying to collect {$35.00} due to the current pandemic. They couldn't return the gas so they instead returned the last transaction to hit my account which is the ACH transaction for {$5.00}.
Product: Checking or savings account

I spoke with Navy Federal Credit Union on several occasions and desperately tried to show proof of fraud and dispute transactions done fraudulently, it all started, when I purchased a new XXXX XXXX XX/XX/XXXX from XXXX in the XXXX. I filed a police report the same day at the XXXX precinct because of high call volumes on my account and my XXXX had been previously compromised. I deposited XXXX dollars into my account in XX/XX/XXXX and with the new XXXX I thought I was safe and it would not be compromised. I started using XXXX XXXX because XXXX XXXX and its easier for me to send money. I did not know about the XXXX data breach until later in the year and that's when I noticed something was wrong with so many transfers from my Navy federal Credit Union account . I called them them in XXXX to dispute charges and when it came to the transfers to XXXX XXXX I know that someone was stealing my money. ( MY XXXX WAS COMPROMISED AND CLONED I HAVE PROOF NOW THAT SOMEONE USING MY IMEI AND PHONE NUMBER MADE TRANSFERS WITHOUT MY PERMISSION. I AM FILING ANOTHER POLICE REPORT. NAVY FEDERAL CREDIT UNION RESPONSED IF I MADE ONE MISTAKE REGARDING WHICH TRANSACTIONS WAS FRAUD THEY WOULD DENY MY ENTIRE FRAUD CLAIM WHICH THEY HAVE ON MORE THAN TWO TIMES. MY SECURE CREDIT CARD ALSO HAD A FRAUD AMOUNT ON XX/XX/XXXX FOR XXXX XXXX FOR XXXX WHICH SOMEONE CREATED A XXXX XXXX AND USED MY NAME AND A DIFFRENT TELEPHONE NUMBER. THAT MONEY WAS REFUNDED AND THAT IS THE ONLY AMOUNT THAT NFCU HAS RETURNED.
Product: Mortgage

Got pre approval for mortgage in XXXX XXXXWent under contract with new build in XXXX. Builder required commitment letter within 30 days. Fifth third never provided it. Close date on home expected in XX/XX/XXXX th 2022. It is now 1 week before closing and still no commitment letter from fifth third. They only look at case once a week and request additional info every Friday. I promptly provide info requested within 24-48 business hrs and they take another week to look it over and come back with additional info requested. I am now 1 week from closing, and builder is unwilling to push back closing date. I will lose the house, with no place to go. I am out {$16000.00} deposit to the builder in addition to application and appraisal fees fifth third has charged. I escalated issue to managers and supervisors, they are non responsive. Worse experience of my life. I bought a house years ago and never went through such a horrific experience. They are the worse. Worse of all lawyers wont take the case since even though they believe in my case simply because its not worth it to them. Something should be done about this
Product: Checking or savings account

on XX/XX/2023 citi bank sent me an email stating they wish to end the relationship with me conserning my checking account after just opening the account and depositing funds. i contacted the bank they told me that they will sned a letter as to stating why in the mail along with a check in the amount of my funds around XXXX i have not recieved the letter nor the funds i keep calling them the keep telling me the back office is the one with the answers but wont allow me to speak with them they state that they email them and im to call back in 48 hours for the response this has been going on for the last 6 months i dont owe them any thing i offered all legal documents as to prove who i am they said i been varified but yet still wont give me my money back this has put me in a big hard ship as i have limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get the fraudulent XXXX  and XXXX XXXX XXXX company accounts removed from my report. Please help me and get these accounts blocked.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Mortgage

I am heir to the deed of my deceased mother 's home. Foreclosure proceedings begin in XX/XX/XXXX on a FHA Mortgage during the Foreclosure Moratorium period known as the Coronavirus Aid, Relief and Economic Security Act. The proceedings were ongoing throughout XXXX and XXXX. The mortgage servicer, FCI Lender Services , Inc., through its attorneys submitted misrepresentations to the court stating in its Coronavirus Compliance Certification that the loan was not a government loan ( see the Compliance Certification and Affidavit enclosed ). The affidavit asserts the affiant is a party of a servicing company called XXXX XXXX, XXXX ( no NMLS found or record they are a servicer ). The Court of Common Pleas in XXXX, SC used the Compliance Certificate and Affidavit to determine to transfer the case to the Master of Equity Court of XXXX XXXX, SC for foreclosure. The proceedings should not have begun prior to XXXX XXXX when the foreclosure moratorium ended for federally back loans. This process caused undue distress and the potential loss of my late mother 's asset during a very stressful period time of the pandemic. ( Dates are seen on the attached court documents ). 

Court of Common Pleas ( XXXX XXXX, South Carolina ) - Case no. XXXX Master of Equity Court XXXX XXXX XXXX, South Carolina ) - Case no. XXXX
Product: Mortgage

The contractor hired to repair collapsed deck cashed the {$7800.00}. insurance check issued by Ocwen Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX Fl XXXX in XXXX, 2013. I have obtained a Judgement against the contractor, XXXX XXXX XXXX, and my lawyer needs a copy of the cancelled check in order to enforce the judgement. After multiple requests over MANY months, Ocwen has failed to supply me with the documentation I need to pursue the judgement and recover the funds the contractor stole.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I  have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's
Product: Checking or savings account

2 weeks ago when on my computer it locked up with a message by XXXX that they dedected unusual activity on my bank. They emailed a person who supposedly worked for Wells Fargo. They told me hackers were attempting to transfer {$10000.00} from my acct. When I said I had no message for call from the bank they said my phone was hacked. I was told to removed the {$10000.00} in cash from the bank so the transcation would not go through and put it a bit coin machine to create a digital wallet. The person from XXXX kept my compleTHte locked up and kept doing scan to supposedly lock out the hackers. The said the XXXX address was been changed to allow the hackers. This happened again a couple days after for {$5000.00}. The guy form the bank attempted to return {$5000.00}. to my account but the transaction failed he told me to call Wells Fargo and trnsfer {$5000.00} to my credit card and removed the cash from the bank. 
When they attempted to run the same scan on my XXXX XXXX account all the red flags came up and I called the my local agent. The XXXX person said and showed me the scan that my phone was hacked, that the hackers knew I called XXXX XXXX. The bank person wanted me to drawn {$85000.00} from XXXX XXXX and deposit it into my bank. I drove to be local agent and they saw no scams on my XXXX XXXX accounts and more red flags came out. They locked down my accounts for safety. 
The hackers knew then we were not getting any more out of me. 
My computer was no longer loacked down. 
The guy from the bank kept telling me to not talk to anyone about the hack. Now I know why. 
I filed a fraud compliant with Wells Fargo. I talked to the fraud agent from XXXX XXXX and he gave me your website. The guy 's name was XXXX XXXX and the XXXX person was XXXX XXXX XXXX and XXXX
Product: Debt collection

Dynamic Recover Solutions is frequently calling my phone from different phone numbers, they do not disclose they are a debt collector. They ask for me by name, then ask my address, my date of birth. They reply with there name when I ask where they are calling from. I have sent a written dispute notifying them the debt they are attempting to collect has been paid off to another debt collector last year and my credit report is currently reporting that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The last active dates for this specific account are still inaccurately and inconsistently reported on all my three bureau credit reports. The information must not only be accurate but also consistent for all three bureaus. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report sensitive medical information. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION For XXXX 1. The last active dates for this specific account are still inaccurately and inconsistently reported on all my three bureau credit reports. The information must not only be accurate but also consistent for all three bureaus. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report sensitive medical information. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Why are the dates listed under Last Activity not consistent on my XXXX Transunion and XXXX reports? The information is from one and the same creditor so I don't see how there is a disconnect in the information you supplied on my credit report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. This is a collection account so the balance should be {$0.00} but why am I particularly seeing a balance amount of {$1300.00} on my report? 
XXXX XXXX Account Number : XXXX DELETE THIS! 

For TRANSUNION 1. The last active dates for this specific account are still inaccurately and inconsistently reported on all my three bureau credit reports. The information must not only be accurate but also consistent for all three bureaus. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report sensitive medical information. 
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Why are the dates listed under Last Activity not consistent on my XXXX Transunion and XXXX reports? The information is from one and the same creditor so I don't see how there is a disconnect in the information you supplied on my credit report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. This is a collection account so the balance should be {$0.00} but why am I particularly seeing a balance amount of {$1300.00} on my report? 
XXXX XXXX Account Number : XXXX DELETE THIS!
Product: Debt collection

Around late XXXX, early XX/XX/XXXX, Credit Collection Services XXXX CCS ] ) was contacted at XXXX as a response of 50 % settlement reduction offer. At this point, CCS has been servicing two files for XXXX XXXX well over a year. I used to receive monthly Letters for each of these files, however, one of the files had my First name spelled incorrectly, XXXX, instead of XXXX. During the call the representative stated that settlement was only applicable to the XXXX XXXX with the balance of around {$160.00}. After a lot of back and forth, it was agreed that the settlement reduction offer will apply on both files. The balance on File 1 was around {$160.00}, file 2 balance was a little over {$500.00}. The Payment was taken over the phone and two transactions from CCS were deducted from my bank account, which was well over {$300.00}. Phone calls, and text messages has stooped since that payment, and a boost on my credit score was noticed. However, around late XXXX, I received an Alert from XXXX XXXX indicating that my collection balance has gone up. Then, on XX/XX/XXXX I began receiving text messages from CCS pertaining to reference XXXX, which belongs to the XXXX XXXX file settled over the summer. The balance is, again, over {$500.00}. CCS was contacted today, XX/XX/XXXX, however, an amicable conversation was impossible. Even though I explained in detail that this particular file, and a second one from XXXX XXXX was already taking care of, the representative did not acknowledge or research this. Instead, he stated that the have not heard from me since XX/XX/XXXX and that there was only one XXXX insurance file taking care of, valued at {$160.00}. Dealing with this company is quite challenging, and based on the representative behavior, this balance was owed, period. I find it interesting that since this file resurfaced, I have not received a physical statement from CCS. Besides todays call, text has been the only method of communication. From CCS. Please help!
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. also 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. XXXX " I am opting out of your reporting services.
Product: Mortgage

Contacted Wells Fargo Home Mortgage Co. at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to XXXX about the Net Settlement Fund in the Wells Fargo Inspection Fee Settlement letter and check that I received in XX/XX/XXXX. The letter indicated that " Your award was calculated in accordance with the Court-approved Plan of Allocation .... ''. The amount of the check was {$31.00}, Check # XXXX, check date is XX/XX/XXXX and the claim number is XXXX. My question to XXXX, after giving her my loan number - XXXX, was how " specifically '' was the check amount determined. Her response, after a 3 minutes hold, " my records do not indicate that such a transaction transpired. For clarity, at XXXX XXXX XXXX transferred me to her supervisor, XXXX, who answered at XXXX XXXX. XXXX could not answer my question either, therefore, at XXXX XXXX he said he would transfer me to the escalation department. XXXX, in the escalation department answered at XXXX XXXX. Mind you, I had to repeat all of the pertinent info to each individual. XXXX was not privy to the transaction either, and indicated I would need to speak with XXXX XXXX XXXX. At this point I'm livid, and refused to speak with a fourth person after being on the phone for 54 minutes. My concerns stems from incurring over {$200.00} in Inspection fees between XX/XX/XXXX and XX/XX/XXXX, in addition to over {$2000.00} in other fees. I don't believe {$31.00} is sufficient reimbursement considering what was dispersed. Other individuals that I spoke with regarding these Inspection fees are XXXX XXXX at XXXX extension XXXX at XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX extension XXXX at XXXX XXXX on same date.