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

I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX  and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter today, XX/XX/19 from XXXX XXXX  XXXX today, stating I tried to open an credit card account with them ; this is false. 

Performed an XXXX, most of my information is correct. 

Did notice there are several soft inquires for XXXX XXXX, XXXX and XXXX dated XX/XX/19. Started the process of placing a fraud alert on my account. They need verification, SOMETHING IS MISSING ON MY CURRENT, 20 MINUTE OLD REPORT. 
The website directed me to a 1888 to speak to an agent, he is looking for an account that is not on my credit report so I can't verify my identity with him. 

I'm trying to put a fraud alert in my account and he has more up-to-date info than I do, therefore my attempts to verify my account fail. Therefore, he can't help me. 

I'm thinking there is a account in my name that I did not open and it doesn't even show up on in my credit report but the agent has access to this knowledge??
Product: Credit card

Payment sent to TD Bank lockbox by my bill payment provider XXXX  XXXX XXXX on XX/XX/year> As of XXXX TD Bank had still NOT posted payment. My bank STOPPED PAYMENT on the check as it is obvious they have payment and have not posted. TD Bank does NOT respond to electronic inquiries. Sent email to customer service and response came back as follows : XXXX XXXX RESPONDED This inbox is not monitored. 

Thank you for contacting Customer Service. For faster service, you can access your account and review FAQs at XXXX XXXX XXXX If you still have questions, you can contact us by logging into your account and going to the " Help Center '' and selecting " Make an Inquiry ''. If you wish to speak with us directly, our representatives are available at XXXX to assist. 

This bank has major lockbox issues and needs CFPB intervention asap.
Product: Debt collection

A rep called ... Did not identify herself aggressively asking to speak to me. I said this was me and asked who it was. She said I am being recorded and am attempting to collect a debt. Confirm the last 4 of your social. I said I do not know you do I will not just give you my Ssn. So she said well I will just tell you what I have. Then asked for my address and when I said what is this about she never stated. Then claimed I was not cooperating and she would end the call. I told her to that then.
Product: Credit reporting or other personal consumer reports

Failure to Investigate, FCRA Violations & Data Security Negligence I am filing a formal complaint against Equifax for its failure to properly investigate and remove inaccurate, unverified, and potentially fraudulent information from my credit report. Despite my dispute, Equifax has continued to report incorrect data, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Additionally, given Equifaxs history of data breaches and failure to protect consumer information, I have serious concerns regarding the accuracy and security of the data they maintain about me.

1. Failure to Conduct a Proper Investigation I submitted a dispute to Equifax regarding inaccurate information appearing on my credit report.

Under 15 U.S.C. 1681i ( a ), Equifax is legally required to conduct a reasonable investigation and delete any information that can not be verified.

Instead, Equifax has failed to properly investigate and continues to report unverified data.

2. Violation of FCRA Accuracy Standards Equifax is responsible for ensuring maximum possible accuracy of consumer reports under 15 U.S.C. 1681e ( b ).

Reporting unverified or incorrect information violates my rights and causes unnecessary financial harm.

3. Equifaxs History of Data Breaches & Security Concerns Equifax suffered a massive data breach in 2017, exposing the personal information of 147 million consumers, including Social Security numbers, birth dates, and financial records.

Their repeated failure to secure consumer data raises concerns about the accuracy and legitimacy of the information they report.

Given their previous data breaches, it is entirely possible that the erroneous information on my report is the result of Equifaxs own mishandling of consumer data.

4. Negligence in Protecting Consumer Data & Rights Equifax has knowingly allowed incorrect information to remain on my credit file.

This has resulted in credit damage, financial uncertainty, and emotional distress due to inaccurate reporting.

Relief Requested : Immediate Removal of the Inaccurate Information Equifax must delete all unverified and incorrect data from my report.

Monetary Compensation I am requesting {$1000.00} per FCRA violation under 15 U.S.C. 1681n ( a ), along with damages for financial and emotional distress.

Regulatory Investigation I request that the CFPB launch an investigation into Equifaxs failure to comply with FCRA standards, its mishandling of consumer disputes, and its ongoing security failures that put consumers at risk.
Product: Money transfer, virtual currency, or money service

My Account at Gemini has been frozen & Deactivated since XX/XX/XXXX. Ive sent their requested items a picture of a copy of my drivers license along with a hand written note with requested current date which was XX/XX/XXXX along with a requested XXXX underneath the date & a selfie photo of myself. I converted the file to Jpeg & sent it to them on the XX/XX/XXXX on their file upload & then respond to their email that I I've sent their requested information & asking them to please unblock my account. No one has since contacted me & my account is still locked out. I'm Unable to make any transactions.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I sent a letter to the courts asking if they report bankruptcy to the credit reporting agency and I got a letter back stating " That they do no report any bankruptcy to anybody. '' So if that's the case. How did Transunion verify my Bankruptcy as 100 % accurate. they never did a fair investigation according to 15 USC 1681.

15 USC 1681 603 ( 3 ) ( E ) states ; the term " Investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living obtained though personal interviews with neighbours, friends, or associates of the consumer reported on or with others or whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from the creditor of the consumer or from the consumer. 

Transunion also violated my rights numerous times. 

Transunion also violated my giving rights under 15 USC 1681 According to : 15 USC 1681 section 602 A. states that I have a right to privacy.

According to : 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account. without my written instructions.

According to : USC 15 1681 s-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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was
mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

The lady at the bank told me it was not their job to File a fraudulent claim on my behalf or to cover me for any fraudulent activity on my account that I would have to hire somebody else that would help me.. then they closed my account I still have not given me my money that was in the account
Product: Credit reporting or other personal consumer reports

I have reviewed a recent credit report snd someone has fraudulently been using my information to try and gain credit due to this I now have many inquires that were not submitted by me these Unauthorized inquiries are jeopardizing my credit score the following are reporting on transunion credit report they are named followed with date : XXXX. XXXX auto fin XX/XX/23. XXXX. XXXX auto finance XX/XX/23. XXXX. XXXX XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 XXXX XXXX. XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information.

They have stated I received notification, but can not prove when, nor show me documentation.

I have NOT received anything of this nature and they have and several complaints of un fair practices reported.

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.
Product: Mortgage

Over the last few months I have been attempting to contact the bank and get information and copies of letters that were sent to us. The initial group of letters stated that we needed flood insurance and the last letter I received from them stated we did not need flood insurance upon further review. Apparently two letters, one stating I did, one stating I didn't, were sent on XX/XX/XXXX. The one that said we did reached us before the one that said I didn't. Seeing as the last letter I received from the company said I did not need flood insurance, any other mail from them regarding that matter was disregarded. In the interim, they bought us flood insurance and sent me a bill a few weeks later. After being told I did not need flood insurance, I was actually surprised by this charge. I ran out and bought flood insurance in hopes of complying with this new request. There was apparently a gap in coverage that they are now charging me a few hundred dollars to cover. I feel this is absolutely ludicrous as I was told I did not need it in the last letter I received from them. I have both the letters, one saying I did and the other thing I didn't, that I can upload onto the site that show they were sent on XX/XX/XXXX. A conversation with the local post office this morning clarified that the US Postal Service can't guarantee mail sent on the same day will both arrive on the same date. Like I tried to explain to the company yesterday, the last letter I received from them stated that I did not need flood insurance. So, anything I did receive after that, like any reasonable person, would have been disregarded. The charge I am being held to is absolutely unfair and it was due to the bank 's mistake, not mine. 
I have been ignored in numerous emails, phone messages left and other attempts to contact the company. I have had some Representatives tell me I was wrong and couldn't actually have received the letter saying that we did not need flood insurance. It took three calls to finally have somebody find that letter and tell me I was correct and that it was very conceivable it was the the last letter that I saw. I was also told that I must have misread it. XXXX is my primary language. The treatment I've received from this bank has been absolutely insane.
Product: Credit reporting

I disputed information on Experian disputes for credit card accounts that were past thpast the seven year limit and they did not remove them. They changed theaccount date which was XXXX to year XX/XX/XXXX which is not true. tried todispute info again and Experian will not allow you to dispute online unless youpay for it. they also did not allow me to go back and view my dispute but once, event though the 30 day limit was not up. there is no contact email so you cansend any complaint issues and they put inaccurate verification information soyou ca n't even verify your identity in order to dispute anything online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have been trying to get this XXXX  XXXX Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a Chapter XXXX bankruptcy in my name years ago. It was listed on XXXX. I disputed them and XXXX removed it. However Experian and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. 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 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus. 
In Accordance with Fair Credit Act Credit XXXX XXXX bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Product: Mortgage

I have been working with loan company for a few years before COVID I was approved with modifications and paper work with my father In law whos a veteran on our home. I have been spun around in circles. I had to hire an attorney. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and XXXX XXXX last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells fargo put holds that lasted for a month on multiple deposits I made, and also charged me overdraft fees on transactions that happened to overdraw my account due to these extended holds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX, through the CFPB Complaint Portal. Equifax responded indicating that it has already addressed my concerns through a Reinvestigation. Here is a direct quote from Equifax 's response : " Results of Our Reinvestigation are : Our records show that you recently contacted Equifax on XX/XX/XXXX via case XXXX regarding the items listed in the complaint. Reinvestigation results were sent to you on XX/XX/XXXX. The information you disputed has been updated as well as other information on this item. XXXX XXXX Account # XXXX The results are : This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS *DATE OF LAST PAYMENT *ACTIVITY DESIGNATOR *ADDITIONAL INFORMATION. '' THIS RESPONSE IS ENTIRELY FALSE. ALL OF THE ABOVE FIELDS WHICH THE COMPANY CLAIMS TO HAVE UPDATED CONTINUE TO BE INCORRECT. MY COMPLAINT SUBMITTED THROUGH THE XXXX COMPLAINT PORTAL IS BASED ON THE REINVESTIGATION RESULTS. THIS CLEARLY SHOWS THAT EQUIFAX DOES NOT PROPERLY LOOK INTO CONSUMERS ' CASE/COMPLAINTS AND INSTEAD TRIES TO PUT THE BURDEN ON THE CREDIT COMPANY/LENDER. I submitted a copy of the Equifax report DIRECTLY FROM THE EQUIFAX WEBSITE ON XX/XX/XXXX, THE REPORT OF WHICH IS DATED AS OF XX/XX/XXXX. If Equifax has properly reviewed that copy ( reattached here ) it would have noticed that my compliant is BASED ON THE REPORT THAT ALREADY REFLECTS THE REINVESTIGATION RESULTS. 

EQUIFAX CONTINUES TO REPORT MY ACCOUNT AS BEING LATE, EVEN WHEN : 1 ) The mortgage provider committed administrative error and violated the Periodic Statement Rule under 12 CFR 1026.41. 2. No one sent me any billing statements or late payment notices.

2 ) The mortgage provider violated the Periodic Statement Rule under 12 CFR 1026.41, the requirement of delinquency information under 1026.41 ( d ) ( 8 ).

3 ) I never received a notice from the mortgage provider stating that it will report negative information to the credit bureaus. This violates FCRA 623 ( a ) ( 7 ) requiring notices to consumers of negative information being reported to credit bureaus.

4 ) Furthermore, Equifax reports the account as being " NR '' ( NOT REPORTED ) in the payment history EVEN WHEN THE ACCOUNT WAS ALREADY TRANSFERRED IN XX/XX/XXXX. THE PROPER PAYMENT HISTORY SHOULD BE BLANK SINCE IT HAS ALREADY BEEN TRANSFERRED BUT IT KEEPS ON REPORTING IT AS " NR ''.
Product: Debt collection

Good day, I cant begin to describe how frustrating and exhausting this situation is. Waking up to an unfamiliar debtone I never applied for or agreed XXXX both shocking and distressing. On top of that, I have been relentlessly harassed through multiple communication channels, even facing threats of legal action. As a law-abiding consumer, I find this a blatant violation of my rights. This has taken a serious toll on my mental well-being, causing sleepless nights and extreme XXXX.