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

Dear CFPB and Equifax Regarding XXXX XXXX XXXX XXXX XXXX  ) FCRA violation 15 USC 1681 ( i ) 2 ( B ) Please note this is a separate report of FCRA violation from complaint number XXXX I had requested on XX/XX/year> for a thorough and reasonable investigation on my Mercury credit card account. Equifax failed to notify me that they changed the lenders name on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX  and they used this as an excuse to not investigate. They wrongfully stated that the XXXX credit card account is no longer on my report. That is false. Prior to the investigation the name was under XXXX however, they made changes to the credit report without notifying me and changed the name to XXXX XXXX XXXX. Not only is the unauthorized name change deceitful and FCRA violation, but they also failed to notify me of the changes and this resulted in the 30 days without an investigation. XXXX XXXX and Equifax did not change the name from XXXXXXXX XXXX XXXX XXXX XXXX 
Equifax is in violation of 15 USC 1681 ( i ) ( a ) 2 ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all related information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in sub paragraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Equifax is in violation of the law because they failed to notify me that they changed the lenders name on my credit report from XXXX XXXX XXXX XXXX XXXX. The name was changed, intentionally to cause me to believe falsely that my XXXX account had been removed from the report. 
Please also be aware that XXXX XXXX and XXXX have not changed the lenders name of mercury to XXXX XXXX XXXX. 
The fraudulently changing of the lenders name and not notifying caused confusion and is deceptive. This deceitfulness undermine the integrity of the credit reporting agency. It also cost me a valid investigation during the 30 day timeframe back in XX/XX/year> I became aware of the name change after I waited XXXX to XXXX hours to speak to customer care who was equally suspicious by the name, change and the lack of any type of investigation of my any of my disputes. 
I am demanding that the XXXX XXXX  XXXX  account, also known as XXXX XXXX XXXX  or any other name that it may have been changed to be deleted from my credit file at once If it is not deleted immediately, I will file another FCRA report or take other action actions
Product: Debt collection

Called old family members threatened them and advising they XXXX to pay XXXX XXXX 's debt or all will be arrested. Called XXXX and XXXX after repeated notifications to send all correspondence by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been on my account two different ones since XXXX an it does not matter the last update, by law it is 7 years from the original date which is XXXX and Transunion will not take them off my credit report. The date updated IS NOT RELEVANT, what stands by law is the original date which is XX/XX/1999, 23 years on my credit report. I will sue Transunion if they do not take all XXXX XXXX XXXX off my credit report immediately!
Product: Student loan

Mohela is not counting many of my qualifying payments in the Public Service program as qualifying. I've tried calling them, but nobody answers the phone. Ever. I've written them, and they keep telling me they will respond within 15 days, but they never do. I contacted them in mid-XXXX. It is not XXXX. It has been WAY more than 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX I the victim of the fraud, am requesting that XXXX XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and XXXX am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Product: Debt collection

We received a summons for a medical debt but never received a phone call or any letters in the mail.
Product: Checking or savings account

On XX/XX/XXXX a wire transfer was made out of my account in the amount of {$24000.00}. I have banked with Wells Fargo for over XXXX  years and never transferred any big some like this. The wire was made at XXXX and I received a notification per my Wells Fargo app. I immediately called the bank and it was recalled with XXXX minutes of it being made. They recalled the wire. However they are telling me now that the recall failed. The bank the money was sent to does not have the funds and that I have lost my whole life savings and there is nothing further they can do. I asked to speak with someone else and they denied me saying nothing further can be done. This was fraudulent activity, a simple notification at XXXX is not sufficient for that amount of funds being taken out. They have FDIC for a reason and we are both victims. I am a single mom who just lost her job and this was the money was from my PTO and XXXX  taxes. Its unacceptable.
Product: Checking or savings account

I recently opened a Citi Acceperate Savings account ( approx 30 days ago ). Once opened I transferred {$50000.00} into the account via XXXX from an external bank ( Bask ). 

On attempting to log into my online Citi account I was not able to and recieved a message that my account had been blocked and to call a number for more info. I called and was told that the account was flagged for closure due to fraudulent acitivity and that this process would take 30-60 days and after that time my {$50000.00} would be returned via a check sent in the mail. 

I protested this and told them to close the account immediately and return the {$50000.00} even quicker. Citi refused and kept telling me the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a free credit report from Equifax but could'nt because the verification questions had to with me getting an auto loan at CU and a retail credit card which I did not get from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt checking the information reported on my credit report with Equifax I am interested in processing disputes of all the incorrect information listed on my credit report. this Information must be removed asap to help correct my file. please review and remove all listed items.
Product: Debt collection

This debt is not mine. First, XXXX XXXX XXXX tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.
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.

US Department of EDU XXXX #, has violated my rights. 
US Department of EDU 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

USAA has breach terms and conditions of numbered policy # XXXX and in accordance with law has committed fraud.
Product: Mortgage

On XXXX XXXX, 2016, XXXX XXXX XXXX reported the Consumer Financial Protection Bureau ( CFPB ) and Comptroller of the Currency ( OCC ) say more than XXXX XXXX accounts were opened fraudulently by Wells Fargo deceptive employees, resulting in Wells Fargo being fined {$180.00} XXXX and terminating the employment of XXXX corrupt employees. 
The same massive pattern of fraud perpetrated on the XXXX XXXX accounts continues to date at Wells Fargo Mortgage Loan Modification, and Loss Mitigation Department. Numerous online complaint forums demonstrates this Bank and its employees considers themselves to be above the law and are intentionally violating XXXX Program XXXX XXXX XXXX, and California XXXX XXXX 

Wells Fargo Mortgage illusive employee 's scam currently being perpetrated on home owners thru out the state of California in violation XXXX and XXXX is well documented by us and we can provide detail dates of events to support our contentions. 

In our case, each complete application submitted for a Loan Modification pursuant to the XXXX Program XXXX XXXX XXXX, Wells Fargo Mortgage and its employees will call the next day after receiving the documents to say we do not qualify. When we request for an explanation in writing, we are being told a letter has been sent to us which never seem to arrive in our mail box. 

It should be noted, we have no problem receiving any piece of mail from other parties such as utilities, families and friends from across the XXXX, including Wells Fargo Mortgage monthly mortgage statements indicating pass due and late charges which always seem to arrive in the mail on a timely manner, nonetheless the letter denying us a Loan Modification or the appeal forms to appeal the Banks decision never seem to arrive in our XXXX Mail box. After repeated phone calls and letters to the office of the president ( see attached letter ), we are being told Wells Fargo Mortgage Loan Modification Department records indicates we were notify in writing. 

Similar to the ill-defined Wells Fargo Bank employees responsible for fraudulently opening over two million unsolicited accounts, we are convinced a comparable pattern of fraud exist with the bank by creating denial loan modification letters for its record and intentionally not mailing such letters to the home owners, therefore denying all Home Owners the 30 day period mandated for an appeal, while circumventing XXXX and California XXXX law and proceed to foreclose on the same properties that would have qualify for mortgage assistance. 
The mere fact that thousands of employees at Wells Fargo were involved in opening accounts and moving funds that resulted in customers getting charged fees for services they never requested according to the regulators. 
While we are aware the CFPB does not represent individuals in such matters, there is probably cause which warrants an objective investigation into the number of home owners thru-out XXXX that are victims to Wells Fargo Mortgage continuing circumvent and violation of XXXX Program ( XXXX and other applicable federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXX XXXX # XXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX The following accnt is Fraudulent I'm a victim of identity theft, my information has been found on dark web and Equifax data breach. I have no knowledge of this account I demand immediate removal as the law prohibits false information from being on my credit report according to my consumer rights that has been violates 15 USC SECTION 1681, violation unfair deceptive practices, violation of ftc. I will sue {$1000.00} per violation if this is not removed immediately. 

There is also a letter attached regards to Delete Utilization as well as that is illegal to report law states it should be 5 % or lower or delete all utilization
Product: Checking or savings account

XX/XX/XXXX  at XXXX Was offered a Data Entry Job by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, WA XXXX. 

Interviewed with supposedly CEO/Presiden XXXX XXXX XXXX The interver proceeded to convey " You will need some DATA ENTRY software and also an Automated tracker to commence your training and orientation and also you need the software to get started with work, the work of the time tracker is to calculate your hours worked since this is an online work from home. '' The interviewer proceeded to say " The funds for the working materials, software and time tracker will be provided for you by the company via check, make sure you use them as instructed for the software and I'll refer you to the vendor you are to purchase them from. The check may be issued out by any of our 28 affiliated companies who owe. 

XXXX, some amount of money so this automatically serves as our refund as it is used solely for the benefit of our employees. 

XX/XX/XXXX  at XXXX thee accountant emailed a paper check for deposit and purchase supplies. After receiving the funds, the employer ask I wire transfer or use XXXX to XXXX funds to different vendors. Two transfers were made to supposed vendors on XX/XX/XXXX  and 2-3 transfers on XX/XX/. 

I became suspicious after the vendor demanded I transfer monies to different vendors. Thereafter, I realized the scam. Called the bank USAA and made the banks aware of the scams. Both USAA and XXXX XXXX XXXX  are investigating the Organization, the wire and XXXX transfers. XXXX XXXX XXXX  was very helpful. 

Unfortunately, USAA has not resolved the problem. XXXX XXXX, a USAA associate demanded I owe USAA money and XXXX XXXX threatened closing account ; by sending over debt collections. In my view, USAA has violated due process and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint again to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$150.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX  XXXX Balance {$900.00} ; XXXX & XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character. Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805. In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer. Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent. As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
Product: Credit card or prepaid card

COMPANY ( HSBC ) HAS HAD THIS COMPLAINT FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE ABOUT IT. THEY WILL PUT CHARGES ON CLOSED ACCOUNTS AND DO NOTHING ABOUT IT. ONE ACCOUN T XXXX HAS {$240.00} ON IT. THIS ACCOUNT SHOULD NOT HAVE ANY BALANCE. IT HAS BEEN CLOSED. AGAING THEY HAVE HAD THIS ISSUE FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE. ANOTHER ACCOUNT IS XXXX IS A CLOSED ACCOUNT AND HAS {$70.00} ON IT. AGAIN BOTH OF THESE ACCOUNTS SHOULD HAVE A XXXX BALANCE. I HAVE CALLED AND LEFT MESSAGES. THEY HAVE HAD THIS ISSUE FOR CLOSE TO A MONTH. PLEASE HELP
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. 

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

On my most recent report it is reflecting account XXXX account number XXXX as a charge off which has tremendously spike up my depth owning more that is caused by the inaccurate interest rate being charged and potential late fees. Because Experian is recording I am 30 days late on XXXX, but XXXX is showing 90 days late This has been hurting my credit score for a while now and has lead to derogatory remarks. 

Also XXXX is saying I am charged off for 120 days for three consecutive months. the Fair Credit Reporting Act ( FCRA ). Getting the late payment removed depends on its accuracy. The FCRA is a federal statute that allows you the opportunity to dispute false information on your credit report, thus I am demanding that this information be removed from my account immediately