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

Equifax mishandled and failed to protect my personal information, which puts me ( and millions of other people ) at risk of identity theft. This is unconscionable as Equifax is supposed to increase my ability to protect myself against these kinds of threats, and instead they exposed my critical personal information to criminals and thieves.
Product: Credit card or prepaid card

After reviewing my online billing I was alarmed to find that my credit limit has decreased. I called Nordstrom Credit on XX/XX/20 and spent 30 minutes speaking to 3 of your representatives ( one being a supervisor ), all who after hearing my discontent gave me no reasonable logic to why my credit limit has been reduced other than a recent soft pull of my credit score warranted a decrease in my credit line.

My credit score has been consistent over the last couple years and has not decreased as they have explained to be the reason my credit line was reduced. As a result of this penalty, my credit utilization rate considerably increased, resulting in a decrease in my credit score. 

Nordstrom Card Services has not corrected this error. They have not given me sufficient evidence as to why my limit has been reduced.
Product: Debt collection

Midland is reporting an open account XX/XX/XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and Midland this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my XXXX and Experian credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling XXXX on at least 3 occasions, the issue is still unresolved. I've also called Experian on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card reject from XXXX XXXX. ( XXXX ). Allegedly based on a report drone Experian. Called Experian and did not get any satisfaction. They claim there is a {$12.00} balance on a XXXX account. I don't have a XXXX account.
Product: Credit card

I applied to the Barclaycard Ring Mastercard becuase the offered no interest and no FEEs for balance transfers. We got approved and when we went to do our balance transfer they told us there would be a fee. We complained, stating that the website application says no fees. We called Barclay and showed them the website and they said they would pass this along and it would be 10 business days to get it fixed. It has now been 14 business days and nothing has been solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfers. This has got to stop. When I went out on our Barclay account page it showed us a {$15.00} balance. We questioned it and they said it was because they rushed the card to us via XXXX. We did n't ask for that. They said they would take that off our account and over 2 weeks later it is still there. I ca n't believe a credit card company like this stays in business since all they do is put it off for a board review. While I may be one person. My Brother-in-law also signed up for card for the same reasons and he has run into same problem. Lies after lies and always being put off.
Product: Checking or savings account

I have been consistently contacting chase personal checking account starting back in XX/XX/XXXX! I have had the same exact account since opening it back in XXXX of XXXX. I started noticing things with my account such as paper statements being created ( never received any paper statements as I have always used electronic ), my address being updated to another address I have never lived at or even know whose address it is! My security alerts being turned off? I wouldnt have shut those off because they are for security alerts that fraudulent activity is going on! My debit card I have had since opening my account & PIN number changed after I deposited my settlement check! When I called Chase customer support informing them of all of these things going on with my account, they made it seem as if there wasnt a problem? I noticed a bunch of atm withdrawals on the same day at different times?! When talking with the fraud department they mentioned that they were not notified? So I thought to myself why werent they notified? Sure enough go back into my checking account & all alerts to every chase account I had were turned off! Not once did they seem concerned and when I noticed XXXX different devices on my logins the customer support rep said it doesnt matter? How doesnt it matter?! I have used only iPhones and theres computer accessing my accounts? When I put a claim in for fraud activity such as XXXX XXXX & atm withdrawals they gave me those funds back until a day later they said they were authorized?! I asked them how can you investigate all of these transactions in a day?! They said chip enabled & geo location? Clearly someone who knows my banking habits would know to use the same locations & ftc even talks about chip enabled scams?! I asked them to please check atm videos because I didnt take all of this money out! Funny thing is when trying to do my own XXXX transaction they wouldnt let me? Saying the person I am sending money tos bank is rejecting due to fraudulent activity?! Well I have sent this person money multiple times?! I am now going to be XXXX due to Chase banks lack of investigating! I need my checking account to be investigated the proper way! It is too easy to add anyones debit card manually to send XXXX XXXX & atm withdrawals!
Product: Checking or savings account

I linked my Chase savings acct ( XXXX ) with XXXX XXXX savings account weeks before I initiated an online transfer of $ XXXX to chase from XXXX XXXX saving x XXXX on XX/XX/23. On XX/XX/XXXX, I accidentally found out the transfer was rejected with no reason provided and no notification whatsoever. After multiple phone calls and appointments, I was told Chase can not handle online transfer oft his amount. Yet Chase ADVERTISES that they allow online transfer, they allow setup of linked account and XXXX is NOT the limit
Product: Debt collection

On XX/XX/XXXX, PORTFOLIO RECOV ASSOC Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX. Contact me, stating they were of Govment agency and that I would have an arrest warrant sent to me if I didn't pay them or make arrangements to do so. I owed a debt to their client, and they would arrest me if I didn't pay or negotiate with them. 
After Speaking clearly to them, I asked them to remove my phone number do not contact me anymore after that, asking them if it is, in fact, indeed my debt to please send an original copy of the account from the original debt and a signature and address and transaction of the report, I spoke to a rep over the phone at XXXX XXXX on XX/XX/XXXX, the rep stated that the account was open XX/XX/XXXX address was XXXX XXXX XXXX XXXX XXXX, I have not lived at that address and do not know if anyone in that area. This account was open and fraudulent and is not associated with me ; however, the agent stated she could not send me the document in the mail.
Product: Credit reporting or other personal consumer reports

According to XXXXXXXX XXXX XXXX XXXX, Equifax, XXXX and XXXX is supposed to ensure maximum accuracy. This account violates these laws, 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete this account immediately.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

XX/XX/XXXX, I received a statement from Target stating I owed {$1000.00}. I had not used the Target card since XX/XX/XXXX and our account was paid in full, I immediately called Target. I checked my wallet and my Target card was gone. It was apparently stolen sometime between XX/XX/XXXX when I received a new card and XX/XX/XXXX when it was used. I filled out their affidavit of unauthorized use and the charges were reversed. However, Target has taken the stand that since the PIN number was used, I am responsible for these charges. This was a NEW card. I had never used it before. I have no idea how the PIN number was used. I have always signed for my Target card, I never once used the new chip technology card. I have sent t them proof that I was n't in the city where the charges were made but apparently they have n't bothered to look at the proof. They are determined to find me at fault. I did not use my card on the dates they provided me, I am \\ am not responsible for these charges and I am not going to pay them.
Product: Mortgage

I have been attempting since XX/XX/year> to communicate with this company regarding the successor of interest documentation needed to pursue loss mitigation options on this account. I submitted a complete loss mitigation application on XX/XX/year> which was denied because I was not confirmed successor of interest on this account, even though I completed and handed them over all the estate documentation and evidence from the court I was the administrator of my mother 's estate. This company is refusing to communicate to me about this account because they keep delaying processing my successor of interest and has sent notice to my residence regarding foreclosure as I am attempting to engage in loss mitigation, in violation of state law. I am unable to speak on this account anytime I contact this servicer about this estate account because they are refusing to process any information I give them to confirm my successor of interest in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX and TransUnion last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called XXXX and Transunion due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against Experian, XXXX, and XXXX regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX, through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by Experian, XXXX, and XXXX. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that Experian, XXXX, and XXXX physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that Experian, XXXX, and XXXX verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from Experian, XXXX, and XXXX. As stipulated by federal law, I request the completion of the investigation within thirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Product: Debt collection

XXXX XXXX popped back on my credit report without sending me any notifications in the mail. They also failed to report to the credit bureau within 30 days of my dispute from their previous reporting. By federal law they are required to place a " notice of dispute " on my account within 30 days of my dispute. In which I send certified # XXXX. In which was signed on XXXX XXXX,2017. I  have retained a copy of the date and receipt as well as a time-stamped copy of my credit reports, showing a violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the XXXX XXXX for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX =======EQUIFAX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$190.00} XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Mortgage

In XXXX, we contacted Wells Fargo to do a loan modification due to the economy and several houses around us going into default. This naturally led our home 's value to plummet. We were simply told they could not help us... because we were not in default on our loan. XXXX of XXXX, my husband lost his job. Just a few weeks before that, we had requested again for our loan to be modified, only to be told again that we were not in default, so there was nothing they could do for us. When my husband lost his job, and we had a XXXXyear old child, having this house was no longer a priority for us, so as Wells Fargo suggested XXXX we went into default on the loan. We contacted them again and after looking up our loan and seeing we were late on our payment, they said they could help us. That was until they found out my husband had lost his job, then they couldn't help again. So we decided to short sale the house. This process started in XXXX of XXXX and we had a buyer in XXXX of XXXX. Wells Fargo would send us letters that they were unable to get a hold of us, and were therefore denying our Pre-Foreclosure Sale, yet we never received phone calls from them. We were not without phones ( mobile or landline ) and any time we tried to call them, we would get the runaround. But we received a letter in XXXX of XXXX and XXXX of XXXX stating they were proceeding with the foreclosure because they could not get a hold of us. Before this, we received a letter in XX/XX/XXXX saying we may be eligible for Payment Relief, of which we called the number on the letter, but the number put us in a phone message loop. They took so long to finally approve the short sale, that the buyer had pulled out of the deal. We received a letter in XXXX of XXXX that the house was going to be auctioned off if we did not bring the mortgage up to date. This was after two attempts by us to have Wells Fargo approve a short sale. By this time, we had moved out of the house. We received a letter in XXXX of XXXX that they would like to work with us on payment options- almost a year later! All we wanted by this time was to just start over. We had gone through so much stress with them, we just wanted to be done with them forever. We later found out we were part of the " rubber stamp '' letters. We were an honest, hardworking young family doing everything right, and for what?!
Product: Debt collection

The company placed a collection on my credit profile which damaged my credit and made it extremely hard for me to obtain other lines of credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, these accounts remains on my Equifax credit report. 
Upon discovering these fraudulent accounts, I contacted the associated company, which has confirmed the fraudulent nature of the following accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. 

I am perplexed as to why these fraudulent accounts continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.