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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment ( s ) reported on my consumer credit report under the Fair Credit Reporting Act ( FCRA ). The account in question, XXXX  # XXXX XX/XX/year> XXXX  # XXXX XX/XX/year> shows late payment ( s ) that I believe are incorrect. Specifically, these late payment ( s ) were not reported to XXXX, which raises concerns regarding the accuracy and consistency of the reporting by your agency. Under the FCRA, credit reporting agencies are required to maintain the accuracy and completeness of all information reported on consumer credit files. I kindly request that you conduct an immediate investigation into this matter, and upon confirmation of the inaccuracy, I ask that you delete the account and the associated payment history from my report. I have enclosed copies of my XXXX credit report to substantiate my claim, as well as any other relevant documents for your reference. If you can not verify the accuracy of the reported information, I request that the inaccurate late payment ( s ) be removed from my credit file as mandated under the FCRA. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the persen making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC
Product: Prepaid card

I purchased a prepaid visa giftcard from a XXXX store on XX/XX/XXXX. I attempted to use the card yesterday, but it was declined. When i phoned the VISA automated line for futher information, I learned the card had been used on a website called, XXXXXXXX XXXX on XX/XX/XXXX, XXXX. This was a fraudulent purchase. I am hoping to get reimbursed for the {$100.00} that was initially on this card.
Product: Debt collection

They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.
Product: Checking or savings account

On XX/XX/2019 my bank account was charged an overdraft fee. The overdraft fee is {$36.00}. After my account was charged the overdraft fee the balance is my account was - {$30.00}. This is the 3rd time this has happened with this bank. If my account was overdrawn to where I should be responsible for an overdraft fee my account should be further negative than the amount of the fee. Which my account never even shows me being negative more than the amount of the overdraft fee, it is actually less even after they charge the fee. We spoke with them and they claim that what shows on their end is different than what we can see. They say it is not a bank error so they will not reverse the overdraft fee.
Product: Mortgage

On XX/XX/2024 we applied for a first time home buyer loan with Amerisave mortgage and we were charged up front credit report charges of XXXX dollars with a guarantee certified approval after we were pre approved through Amerisave for our VA loan. After that we have had XXXX success in getting the lender to respond to our emails or phone calls after submitting even more documents with highly sensitive information. We were promised a locked in lower rate and certified mortgage approval which both were false and deceptive.
Product: Credit card or prepaid card

Capital One is constantly making inquiries about my credit and it causes me credit score to drop ... I have not applied for a credit card from them so there should be no need for them to always make inquiries. I attached an image showing 2 inquiries in the past several months and looking at my credit report see that Capital One makes yearly inquiries and it takes 24 months for them to be removed. 

I do not have a Capital One credit card or any other type of credit from them.
Product: Debt collection

1. I.C. Systems, Inc. 
Account Number : XXXX Amount : XXXX XX/XX/XXXX I contacted them on XX/XX/XXXX. 

This company is violating my rights by failing to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recorded a collection on my consumer report. I have made previous attempts to resolve this issue directly with them, but they continue to violate my rights. 

I am entitled to {$1000.00} for each violation listed above. They must either pay me the amount owed or delete these accounts from my record.
Product: Debt collection

I stopped receiving notifications regarding the amount owed by company. Debt was transferred to another creditor. Over the past several months, payments were sent but no acknowledgment was submitted. Please assist in resolving. Thanks. 
PS Money Orders were sent XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 are from XXXX XXXX XXXX and the last is from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ),, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXXXXXX XXXX  ( XXXX ), XXXXXXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX )XXXX XXXX XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance of my student loan has been paid from XX/XX/XXXX to XX/XX/XXXX of a total of {$23000.00}. 

In XX/XX/XXXX and XX/XX/XXXX the payments were late and shows on my credit score.
Product: Credit reporting or other personal consumer reports

Today I called Experian to find out information about my credit report, as I am in the process of cleaning it up, and I don't know what terminology my creditors need to use on the report to show that I am in good standing. Experian is not answering calls from the public, and I have seen multiple complaints online that the public is up in arms over why they are not taking calls. How can I resolve my credit report issues if no one from Experian will speak to me? This needs to change IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

Lending tree emailed me a loan agreement for {$180.00} a month and they asked for my bank account my routing number of the bank account my user ID and my password of the credit union the credit union told me not to give these people the information they refused to do an electronic funds transfer or send me a paper check so I couldn't get the loan I think this company is a fraud and it's XXXX and I want you to investigate them I do have the email that they sent me
Product: Debt collection

Brightway One Main Financial credit card left a voicemail stating for me to call them back because this was an attempt to collect a debt and they disclosed that I have a debt with them on my voicemail. Anyone could have gotten that message and learned my private information about having an account with them. They are violating my rights to privacy with that voicemail stating they are attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX  # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX. XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not allow me to send updated information online when I try to login in with my corrected information.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To Whom It May Concern : This is a request for deletion of disputed items. I have attempted to have these inaccurate and incomplete reportings verified by the furnisher of information to no avail. I'm not even aware of how these got into my credit. I don't know if it was because of Equifax last data breach. I am respectfully requesting that these companies, do what is legally mandated by the FCRA and delete the account listing from my consumer file. 


1-XXXX XXXX  OPENED ON XX/XX/XXXX 2-XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX    XX/XX/XXXX 4-XXXX XX/XX/XXXX 5-XXXX XXXX XXXX XXXX XX/XX/XXXX 6-XXXX XXXX XXXX XX/XX/XXXX 7-XXXX XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XX/XX/XXXX 9-XXXX XXXX   XX/XX/XXXX 10- XXXX XXXX XX/XX/XXXX 11- XXXX XXXX XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13-XXXX XXXX XXXX XX/XX/XXXX 14- XXXX XXXX XXXX , XXXX XX/XX/XXXX 15- ANY INQUIRIES FROM THESE COMPANIES ARE CONSIDERED FRAUDULOUS AND COMPLETELY ILLEGAL Each of these accounts received a notice of dispute from me resulting in them advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnishers of information, as the FCRA provides. After disputing with the furnishers, they have failed to provide any proof or respond in any way. 

I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced accounts, with both Original Creditor and furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agencies nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I tried to deposit my government issued check that I received from the XX/XX/XXXXXXXX rent relief program on XX/XX/year> and they returned the check stamped with " refer to maker. '' When I asked why, I wasn't given any reason as to why it was returned. I then called the number to stated on the check to verify it and the gentlemen told me that nothing shiuld be wrong with it. After that I called the program itself and they said the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to unfreeze my credit reporting with Equifax, online. Their system wouldn't let me complete the process. I then tried to complete this over the phone with the same results. There was no option to speak with a person. It stated that I was to mail in my request with SS card and Drivers license ( I was unconfortable doing this in the mail but, I did ). I have not heard from them confirming whether or not it has been unfrozen. I have the pin number issued when I froze my account but, was never asked to provide it. I feel that I have the information ( Pin # ) given when account frozen but Equifax is making it difficult to readily access the information crucial in operating in this information age ( like I'm being held XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed unauthorized inquiries. The fact that these inquiries are reporting is identity theft and fraud. Attached to this complanit is a letter and identity theft report sent to Experian to block and removed these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX it was reported that Equifax was subject to a large data breach in which millions of users personal, sensitive data was stolen, potentially for nefarious or illegal gain. After checking the Equifax website on XXXX/XXXX/XXXX, I was alerted that it was likely that my information, including name, address, and social security number, was indeed among the lot stolen, putting me at significant risk for identity theft or other abuse of my information. 

It was also noted in the news that several Executives of Equifax sold shares of their company after knowing of the breach but before disclosing it to the public, in, perhaps, a violation of FCC regulations ...?
Product: Mortgage

I called customer service and the woman said I would receive an email that day stating Freedom Mortgage is NOT increasing my mortgage payment to cover anything other than my home taxes. It's been over a week and I have yet to receive this email. 

Once again Freedome mortgage is stating I owe them a flat payment of {$3200.00} and my mortgage will still going up over {$100.00} each month. There's is no chance my taxes are going up almost {$4500.00}. Last year they tried to force me into using their insurance company - even though I was fully covered. After multiple attempts, they still hade n't solved the issue and I needed to report them. 

As stated last year. I'm extremely concerned about this company being able to purchase mortgages such as mine. I've been a home owner since XXXX and have had my mortgage sold many, many times. I've not reported one. This is the first company that I am very fearful is unethically taking money from innocent people that have not chosen to to business with them and are locked in.
Product: Vehicle loan or lease

I took out a loan with Onemain Financial to help build my credit. They told me I needed to buy other insurance products in order to obtain the already high interest rate or it would be higher. I have had this loan since XXXX and started out at {$6000.00} and my truck had around XXXX miles. I actually can not find the exact amount because the history is not on the web page on my account where they tell you to go for all your information. At one point in XXXX they were trying to adjust my payments and for months they had me down for two payments instead of one per month and it was charging me return fees and to a point I did not know when my payment was even due. I assume I was also charged interest on the extra payment as well. I talked to them and the lady over my account at the time said it was fixed when it wasn't. She also told me I could not be refunded the fees from the second payment. 
Times I had a payment due and it showed no payment due online. I owe {$11000.00} and I am going into XXXX and a truck with over XXXX miles on it. They have been through several employees at that branch. I need help with this and to be able to get some of that interest money back, the returned fees and those extra products off my account and see what is going on at that place. I have paid welllll over the legal limit in interest to One Main Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

Discussed block on all Merrill Lynch account with XXXX ( XXXX ). She advised that Merrill Lynch decided to sever the customer relationship and was not able to disclose why. I have no problem with that. However, they need to unlock the accounts so the money can be moved. Merrill Lynch can not hold my funds hostage if they no longer want to do business with me... .that is illegal. I was told they do not need to disclose the rationale for terminating the relationship, not that I care anymore.