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

EQUIFAX IS REPORTING WRONG AND BAD INFORMATION Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date Open : XXXX XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ) XXXX XXXX Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  Consumers/ Background Checks Account Number : XXXX sealed information that shouldnt be access for background checks Date Open XX/XX/XXXXXXXX XXXX
Product: Debt collection

On XX/XX/XXXX I applied for a credit card increase and was denied. When I received an explanation in the mail it said I had many accounts derogatory. But I did not owe anyone any money. Then On XX/XX/XXXX while at a family get together I mentioned what had happened to me and said it was bothering me. I was told to get a copy of my credit reports. And XXXX XXXX, a former girlfriend of my previous tenant/housemate who was at the party told me that it may have been him who used my information to get credit. Once I looked at my credit report I saw my report was trashed. XXXX of the ACCOUNTS THAT I NEVER APPLIED FOR AND NEVER USED WAS CAPITAL ONE ACCT # XXXX. Date XXXX began : XX/XX/XXXX. DATE I DISCOVERED XX/XX/XXXX. TOTAL FRAUDULENT AMOUNT {$4600.00}. 

However, it gets worse! Capital One acting as a debt collector " NOTIFIED '' me of this debt at an address where I never lived : XXXX XXXX XXXX XXXX XXXX CA XXXX. 
They mailed a letter " NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS '' on XX/XX/XXXX to a place I did not live. I had NO CLUE I was being sued. 

On XXXX XXXX XXXX and XXXX who filed a lawsuit against me for this fraudulent debt, signed the reason for filing the complaint in XXXX XXXX XXXX was because the DEFENDANT RESIDES IN THIS JUDICIAL DISTRICT. THE ADDRESS OF DEFENDANT IS : XXXX XXXX XXXX XXXX XXXX CA however, my address WAS NEVER XXXX XXXX XXXX XXXX XXXX CA and was used to commit fraud by using my information to obtain credit cards under my name. 

MY ADDRESS HAS BEEN XXXX XXXX PLACE XXXX CA XXXX. 

On XX/XX/XXXX a DECLARATION OF NON SERVICE was filled with the court by the processes server. It stated that they attempted to serve me on XX/XX/XXXX at XXXX pm at XXXX XXXX XXXX XXXX XXXX CA but were not able to and even stated " NEIGHBOR DID NOT KNOW SUBJECT. '' The registered process server was XXXX XXXX and worked for XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit card

On Thursday, XX/XX/XXXX, I made an online payment for {$9000.00} for the outstanding balance for my Bank of America Mastercard. I did not receive an email confirmation for the pending {$9000.00} payment. I kept checking the app to see if my payment posted which I saw nothing. Thinking that the payment did not go through, I submitted the {$9000.00} payment again on Friday, XX/XX/XXXX because the app still reflected the {$9000.00} balance. Then on Saturday, XX/XX/XXXX, the app reflected the {$9000.00} payment plus the duplicate payment resulting in a {$9000.00} credit. I contacted Bank of America and they said they would start the process to research the duplicate payment for {$9000.00} but it can take up to TWO cycles ( approx 60 days! ). This is unacceptable for them to know this is an accidental duplicate payment, and to hold {$9000.00} up to 60 days. It would equate to a free loan not to mention I will bounce my mortgage, Other credit cards, XXXX XXXX and XXXX, immediately send me an email when I have scheduled a payment, in addition, the app instantly reflects the pending payment and will not let me prepay an amount beyond the balance unless there are posted charges in that amount. The practices of the Bank of America Mastercard are not consumer friendly. I want my {$9000.00} duplicate payment refunded immediately to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a delivery driver position for XXXX and XXXX These companies use the same company to do background checks which is the company known as " Checkr ''. I have submitted documentation to this company providing proof that their investigation report was inaccurate. It stated that my license was expired or suspended. I personally went to the dmv to pull my driving record which shows my license status as valid. I have tried to contact XXXX  and XXXX who leads me back to checkr to submit this documentation. I've tried to call the number provided by checkr to reach customer service. Upon this phone call I am placed on a long wait trying to get someone on the line for their automated system to come back and tell me they are closed. The hours are mon thru Thurs XXXX to XXXX pt and Friday XXXX to XXXX pt. I called at XXXX XXXX time. Everything is a run around with no help or update. Once you are rejected from a company there is no way to re apply even if a significant amount of time has passed since the disqualification. No matter what you submit to checkr they have no desire to send over the correct information to these platforms
Product: Mortgage

I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. 
I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. 


Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification.

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor.

Statute of limitations and last payment missed on the debt.

An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with XXXX XXXX XXXX bearing my signature. 
Provide insurance claims of the debt. 

As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to XXXX, XXXX, and XXXX. 
I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. 
Your non compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802.

In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

false home address shown on XXXX  XXXX  and XXXX  reports ... False hard inquiries starting on XX/XX/XXXX to XX/XX/XXXX I did not make on all reports..Contacted by Missouri family services my name was used to illegally get food stamps and help I live in another state.
Product: Credit card or prepaid card

On XX/XX/16, Discover bank informed me about dispatch of new credit card with updated chip technology. On XX/XX/16 I found there were 4 charges on my account which I did n't make. The charges were : XX/XX/16 : XXXX XXXX ( XXXX CA ) - {$320.00} XX/XX/16 : XXXX ( XXXX CA ) - {$610.00} XX/XX/16 : XXXX ( XXXX, CA ) - {$620.00} XX/XX/16 XXXX ( XXXX XXXX XXXX, CA ) - {$810.00} The total amount of unauthorized charges was {$2300.00}. On the same day I reported Discover bank about it and froze the account and few days later I approached local police department ( Case : XXXX ). Bank did investigation on their part and held me responsible for the above charges because the new card was sent to my address and was activated on XX/XX/16 using my phone number. To prove my innocence I submitted my call records but they said that is n't enough and asking for proof like video footage of person who made those transactions. Fortunately, XXXX CA police managed to get video footage of the person making transaction of {$610.00} on XX/XX/16. In their report they described that person and mentioned that the person is n't me. ( XXXX : XXXX ) Even with all these proofs, Discover bank is holding me responsible for those unauthorized transactions.
Product: Debt collection

XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.
Product: Debt collection

Chase bank has been contacting me repeatedly at least 5+ times per day to discuss my credit card debt that I am already aware of. They have changed their phone number twice and they have called me on a Sunday evening. I have it documented on my phone that they left me a voicemail on Sunday XX/XX/2018 at XXXX. No debt collector has ever called me this late and their phone calls have become a harassment. 

Their phone numbers : ( XXXX ) XXXX - XXXX, ( XXXX ) #
Product: Credit card

Well Fargo continues to violate federal laws and keeps charging me late fees and interest fees on a credit card account that was closed over a year ago. This is the second complaint in less than a month because Wells Fargo is still charging me excessive fees on my closed credit card. Please read my previous complaint made with CFPB, case number XXXX. Wells Fargo has also charged me excessive overdraft and several other types of fees on my checking and savings accounts. Wells fargo is charging me excessive fees on all of the accounts and products that I have with them. Wells Fargo also charged me excessive late fees and high interest fees on a closed auto loan. Wells Fargo has continued to charge excessive fees even after these accounts were closed. I had a checking account, savings account, business checking account and a business savings account all opened without my consent or knowledge. All of these accounts were not visible on my online banking and I never received bank statements for those accounts. These accounts kept getting several monthly severice fees and other fees and I never even knew these accounts existed. Every direct deposit of my paycheck gets taken away by Wells Fargo as an account right off on the accounts that were opened without my consent. Those accounts had received several fees before they closed and wells fargo keeps making account right offs and withdrawing my money from my checking account to pay off the excessive fees on the accounts that were opened without my consent and that were closed due to inactivity with large negative balances from the fees.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just received a copy of my credit report and I found those 3 fraud inquiries that shall delete from my credit report. 


XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> Never do any business with those people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX for violations related to a debt allegedly owed to XXXX XXXX XXXX Despite my requests for comprehensive validation under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX has failed to provide : 1. A signed original contract or agreement.

2. Evidence of their authority to collect the debt.

3. Clear verification of the debt 's legitimacy. 




Moreover, there is a discrepancy in their communication, citing both " XXXX XXXX '' and " XXXX XXXX, '' raising concerns about their accuracy and credibility. 




Earlier, a similar case ( XXXX XXXXXXXX # XXXX ) with " XXXX XXXX XXXX, XXXX '' regarding this account was resolved by removing the inaccurate report. XXXX 's inability to provide adequate validation, as legally required, should result in the same action. 




I request the CFPB 's intervention to ensure compliance with federal consumer protection laws and to address this inaccurate and potentially damaging credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information in the Equifax data breach that occurred in XXXX. My name is XXXX XXXX, and I am deeply concerned about the implications this breach has had on my financial security and personal privacy. 

On XX/XX/XXXX, I learned that my personal information, including my Social Security number, date of birth, and financial details, was part of the massive data breach involving Equifax. This breach has left me feeling vulnerable and anxious about potential identity theft and fraud. 

Despite Equifax 's efforts to notify affected individuals and offer credit monitoring services, I believe that the response was inadequate given the severity of the breach. I have taken steps to protect myself, including enrolling in credit monitoring services and placing fraud alerts on my credit reports. However, the emotional distress and potential financial repercussions from this incident are ongoing concerns. 

I urge the CFPB to take appropriate action against Equifax for their failure to adequately secure consumer information and to ensure that they are held accountable for their negligence. Additionally, I request that the CFPB promote more robust regulations to protect consumers from similar breaches in the future. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the actions taken in relation to my complaint.
Product: Student loan

I attended XXXX XXXX XXXX and XXXX in XXXX 2009, I was watching the News on yesterday and it stated that XXXX was being investigated because of the student loans. I would like to have my loans investigated with your company. I have private and Federal loans and I never received any additional money when I received the loans, but I was informed that any additional funding that I received was being sent back to the loan company. I never received any showing that the funds were returned back to the loan services and I would like for my loans to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent in a letter of validation to Credence Resource Management. I was asking for validation of this account I NEVER said it was fraud. They sent me fraud packet WHY??? Is this their way of prolonging doing their jobs? I am trying to fix my credit and this is just a stall tactic on their part. So now I have to spend more time fighting this over their mistake. I have attached the letter I sent in XXXX and the fraud packet they sent me you can clearly see I DIDNT ask for a fraud packet
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian is reporting inaccurately XXXX XXXX XXXX XXXX XXXX account as a potentially negative account. 
2. The XXXX XXXX XXXX XXXX XXXX is a paid account.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT SYSTEMS AT XXXX XXXX XXXX XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.