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

On XX/XX/XXXX I applied for pre-approval on a home loan through my personal bank with which I have done business for 20 years. When they tried running my credit report they informed me that EQUIFAX had a freeze placed on my account. 

At no point have I ever requested any kind of freeze be placed on my account, nor did I give EQUIFAX permission to do so. 

Since learning of this situation I have been trying to remove the block. Each time I speak with a representative they ask a series of time consuming and detailed questions about my credit history. Even though the answers I provide come directly from XXXX and XXXX  reports, EQUIFAX states they can not access my account because the answers are wrong. 

It has now been nearly two and a half months and I have lost the opportunity to purchase two homes I bid on. I am in danger of soon losing out on a third. 

EQUIFAX is consistently know as a troubled company. They have leaked personal information on several occasions. They make it exceedingly difficult to access or change information on personal credit reports. They insist that sensitive documents like Social Security cards and driver 's licenses be delivered to them via unsecured means like fax or postal service. Their turnaround time on requests and inquiries is abysmal. 

Considering the vast power credit reporting agencies have on buying power, potential employment and government security clearances, they should be easier to work with and deliver much better customer service. In comparison with XXXX and XXXX, there are serious improvements needed at EQUIFAX before they should be entrusted with the fate of so many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has appeared on my Transunion credit report without any permissible cause, no credit or loan has been awarded. This is violations of FCRA rules section 1681
Product: Mortgage

This is the third time I am reporting Nationstar mortgage to the consumer protection agency. My track record on payments have been bad due to XXXX layoffs and most lately expensive medical tests for my XXXX year old father, who lives with me. I am XXXX in arrears. I have tried to catch up by paying them {$1000.00} on XX/XX/2015,XXXX on XXXX/XXXX/15, XXXX on XXXX/XXXX/15 all of which has been returned to me with the explanation, that is was not enough. I just sent Nationstar, on XXXX/XXXX/15 a check for more than half of what I owe, {$6000.00}. I fully expect it to be returned to me. Then I will receive a letter from the prevent foreclosure dept. offering help in keeping my house. I need someone to take them to task for not working with me the way that they should. I am trying to get caught up to no avail. Please see if there is anything that you can do to help. Your involvement in the past has helped.
Product: Debt collection

I have made numerous attempts through Andreu , Palma , Lavin & Solis , PLLC and their Client XXXX Funding to receive the original credit card agreement with my legal signature providing proof of account ownership for an account that I am currently be sued for in XXXX XXXXXXXX XXXX As of today 's date, XX/XX/year>, I still have not received the proper verification of said debt owed by XXXX XXXX or Andrue, Palma, Lavin & Solis. I feel this is an unfair practice on their part. Please see attached complaints filed by consumers against XXXX XXXX through the XXXX for not providing such proof.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Experian that was received and signed for on XX/XX/. This letter is in regards to the inaccuracy of your reporting. 

On XX/XX/, I sent a certified letter with a green return receipt via USPS to the address of the creditor ( XXXX/XXXX  ) provided by your company. The mail came back undeliverable and enclosed is a scanned copy of the front and back of the envelope with the tracking numbers available along with proof that this address came from your companys consumer report. The letter was marked by USPS as undeliverable on XX/XX/. 

The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681e ( b ) and 15 USC 1681s-2. As a consumer, I am protected under 15 USC 1681i against inaccurate and unverifiable information being reported on my consumer report.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681e ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is inaccurate or have reason to believe is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I need this fraudulent account removed from my credit reports. The account in question is a XXXXXXXX XXXX - XXXX, which was opened on XX/XX/XXXX. This is not mine. While I do have an open account with them, this specific account is not mine. 

I have never been late with any of my payments on any of my accounts. You can check my credit profiles, and you'll see that I have a good payment history. It is absurd to me that my credit is suffering because someone stole my information. Please help me resolve this issue and remove the late payment record on my actual open account with them - XXXXXXXX XXXX  - XXXX - XX/XX/XXXX. 

I initially reported this to Experian and they responded to me on XX/XX/XXXX that they can't help me with it. 

I attached here my credit report, FTC report, ID and proof of address.
Product: Mortgage

On XXXX XXXX my mortgage with Fifth Third Bank was paid off. They have {$1500.00} in my escrow monies account which should have been paid/refunded to me by now. To date, they have not sent me a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USDOEXXXX  account # XXXX, USDOE/XXXX account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA to conduct a reasonable reinvestigation of the disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Beareau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer-provided eveidence to furnishers, accepting unreliable responses and failing to notify consumers of dispute outcomes. These failures aligned with my overall experience with Experian. They have not removed the incorrect info therefore impacting me. I am requesting immediate amemdments or removable of disputed accounts are Persians inaction violates Federal Law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right 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 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I deposited {$5500.00} between XXXXXX/XX/XXXX through XX/XX/XXXX to Coinbase. I purchased approx {$1500.00} of XXXX on XX/XX/XXXX. That leaves a balance of {$4000.00} that is now missing as it never showed on their website and/or statements. Also, I purchased XXXX of XXXX on XX/XX/XXXX and now my balance shows only XXXX. I have not sold anything. This missing piece equals approx {$34000.00} of lost/stolen current value! 

My most recent call to them ( XX/XX/XXXX ) lasted over 5 hours and I still got no answer!

I have to turn to you good people to help me and my family recover these critical assets. Thank you for anything and everything you can do to help!

Please let me know what else you may need from me. I have all the statements to support my claims.
Product: Credit card

I have been review my credit report and came across an account from Wells Fargo that is not mine. I called Wells Fargo and would not provide any information of that account to me. This account is not mine and should be removed from my credit reports.
Product: Checking or savings account

A fraudulent account with my name was opened with Navy Federal. I have never had a banking relationship with this company.
Product: Checking or savings account

I got a new phone number, and now I can not access my chime account. They keep asking for all of this information that I give them, and they say it's not good enough. Their next step is to freeze my card, which means I can not access my XXXX funds. Which means I can not do anything, even feed my child. 

I have already given them everything that they need, I need you to make them unlock my account. If they don't do it by Tuesday, I missed a very important High School graduation. I have to travel out of state to attend. Chime Bank isn't even a real bank, so they don't need to be carrying people who are already poor enough through all of this drama just because they changed a phone number.
Product: Debt collection

I 'M SICK AND TRIED OF XXXX SHARE MY INFORMATION WITH FMA ALLIANCE ABOUT MY DEBTXXXX DID NOT WANT TO DO WHAT I ASK THEM TO DO FOR ME.AND THEY MISSED UP MY XXXX. FMA ALLIANCE IN XXXX TX NEED TO LEAVE ME AND MY FAMILY ALONE.I DO N'T HAVE XXXX. JUST HAVE XXXX AND XXXX.I WANT TO QUIT CALLING US PLEASE AND THANK YOUR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 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
Product: Credit reporting or other personal consumer reports

I have contacted these companies and the credit reporting agencies to let them know I dont recognize these inquiries and they refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX   XXXX {$680.00} XXXX XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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
Product: Credit reporting

I tried to sign up with the credit karma app on my phone and it said my information does n't match. I do n't know what to do to make it match because I 'm putting my correct information in.
Product: Checking or savings account

On XX/XX/22, I contacted XXXX because I received an email from them thanking me for some tickets I purchased in XXXX. I immediately notified them to let them know that it was not me ; I lived in XXXX and was not making a purchase. They captured the conversation and informed me to contact my bank. I immediately did that and provided the documentation and the transcript from XXXX to the bank. The bank denied my claim stating the investigation came back. That it was not a fraud. I asked them what evidence did they have. The bank said I could appeal in writing. They sent me instructions on how to do that. I appealed the decision, and it was denied again. This has caused my account to go into severe overdraft. 

I reached out to XXXX to see if the bank contacted them, and they had not. The amount of the charge is {$1000.00}. 

This is not the first time NAVY Federal has done this, but the first I have taken action, and I have been with them for over 15 years.
Product: Credit card or prepaid card

Citi directly marketed a new credit card offer to me. The offer promised XXXX bonus miles with XXXX XXXX with a minimum spend of {$3000.00} within 90 days. I met the spend requirement and never received the miles. I contacted Citi to ask why I had not received the miles and they informed me it was due to the fact that I had closed a similar card with them within the prior 24 months and that this 24 month rule was disclosed in the terms of the offer. 

It is extremely misleading for them to proactively make me an offer when they knew full well I would not qualify based on the 24 month rule. When developing their lead file for this offer they could easily apply the 24 month rule filter to weed out customers like me who do not qualify for the offer. How can they be allowed to be so reckless in their marketing techniques. This is astounding and unacceptable. This type of deceptive marketing must not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting

I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed XXXX a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.
Product: Credit reporting or other personal consumer reports

I contracted XXXX to have them correct my consumer report and they have yet to remove the account. It is their responsibility to report 100 % accurate information and to protect my right to privacy. I pulled my reports off of XXXX and it does not list any collections yet on XXXX XXXX a collection is being furnished by XXXX which is a major inaccuracy. Oliphant XXXX XXXX is being reported to my consumer report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

im resuming this complaint with attached dispute letters, i have yet received anything from the credit buraus
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 

I will provide proof of tracking # numbers sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX experian # XXXX along with the most recent credit report pulled highlighting all of the inaccurate accounts still reporting along with the previous credit report pulled prior requesting the bureaus to modify and or delete accounts that are not reporting accurately.
Product: Credit card

Earlier this year I received an email from Bank of America that they were going to cancel my credit card with them unless I used it by the end of the year. I made about {$40.00} worth of charges. The card had been set up with auto pay so I didn't think anything else of it. On Friday XX/XX/year> I received a notification from my XXXX XXXX account that my BofA credit card was past due. I called BofA immediately asking why auto pay didn't cover it and they didnt have an answer other than stating because I hadn't used it in so long that auto pay wouldnt work. 

This seems like a XXXX violation. Email someone telling them to use their card because they are going to lose it because of inactivity and then, because of the lack of use, disable any auto pay functions and charge them late fees. 

I never received any billing statement or any notification via email or otherwise alerting me that the account was past due. It's almost as if they didnt want to notify me to collect on late fee's/charges. 

I have multiple accounts with BofA and am a platinum customer. I cant XXXX why I received no notification that this credit card was past due and had to find out from XXXX XXXX. I can't XXXX how they would treat someone who isn't a platinum customer. 

I believe that this is their error and simply asked them to update the tradeline due to it being their error and they refused. Once I found out the account was past due I paid it immediately.
Product: Checking or savings account

XXXXdollars were deposited on my account via ATM. I do have a receipt for the deposit. Bank didn't deposit my account. I reached out to the customer representative multiple times but no solution. I have received a letter on XXXX stating my claim has been denied.
Product: Checking or savings account

Chime closed my account because they said I violated there rules. I did nothing wrong. I think because I got my tax return so they think its fraudulent. I spent the money right away on XXXX but the product never came so I asked for a refund and it was supposed to be here in 3-5 business days. I am guessing it has something to do with that. I cant live without that money. I need help please. 

Best regards, XXXX XXXX