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

I have notified Equifax of my XXXX XXXX XXXX  and they still are allowing collection accounts on my credit report in an illegal attempt to collect on the debt filed in bankruptcy court. I notified Equifax of bankruptcy XXXX   and have disputed all collection accounts, yet they refuse to follow federal law. For example XXXX XXXX  was declared bankruptcy yet they have still allowed XXXX to report it late even tho bankruptcy was reported prior to any late payments. Also they are still allowing XXXX XXXX XXXX XXXX a collection account to remain on the credit report with a balance even after I have given them court docs showing bankruptcy. Equifax is illegally allowing balances to be listed and for them to continue to try and collect debts even after bankruptcy blatantly defying federal law. If this isn't rectified immediately I will be informing my XXXX  attorney and the court of this illegal actions and taking legal action against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a product from Equifax for XXXX online I was. alerted that my report was accessed 27 times so I called to dispute the information. 
I have a product I bought that supposed to have fraud resolution support, i called. Equifax to dispute these fraudulent inquiries they. wouldn't do it, but this product gives you or supposed to give the abililty to dispute fraudulent accounts or inquiries, i was treated with disrespect, I paid for this product and I expected help for the 27 inquiries on my credit report because its inaccurate information, thats what this product is there for you to buy and get customer support from a fraud resolution representative at Equifax, this product seems to be fraud you spend the money you go to call no help at all, I want Equifax to reach out to me and resolve this, under the fair credit reporting act you have the right to dispute fraudulent accounts any inaccurate information on your file and information that you recognize, please help to resolve this .i have contacted Equifax they have failed to help with the situation, I bought a monitoring product and it alerted me that my report had over 27 inquiries on my file and this is fraud and I dont recognize these inquiries I have ask Equifax to remove these inquiries and in their response they want me to go to each individual company and dispute it with them but due to this COVID-19 no one is in theses offices at this time, so I bought this product to insure I stay on top of my credit but unfortunately Equifax has took my money and doesnt want to help I was treated with disrespect and hung up on and I sent them a FTC identity theft report to show I filed it and sent to them through better business bureau they failed to want to help, please have Equifax resolve this and take these inquiries off my file please and have them contact me I will not go through any company because of this COVID-19 thats a waste of my time and these inquiries are fraud, I do not want a fraud alert on my credit report Ill decide that, but please help as I have tried 10 times and Equifax has ignored me
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts with Equifax for months and they sll came back verified bur refuse to send me how they verified the accounts when the other credit bureaus are not reporting the accounts. 
They have alwo ignored the fact that I am a victim of identity theft. I sent them my police report, ID, a copy of my FTC report and proof of address and they totally ignored it all. 
According to FCRA 15 U. S. C 1681 ( 4 ) 1681 stated that Accuracy and fairness of credit reporting. 15 U. S. C 1681s-2 states that CRA knows the information is inaccurate and still reporting it on a consumer credit report. 

According to FCRA 15 U. S. C 605B ( they refuse to block my information even after I provide proof of the identity, identity theft report, information stating that the information is not related to me. 

All 3 credit bureaus a reporting different information and they all should be getting their information from the same source. 
Example dates are inaccurate for all 3 bureaus, amounts and payments are inaccurate. I also provided them with all 3 bureaus reports. They did not do any investigation on these accounts. 
Equifax did not put on the account that it is in dispute which is also a violation. 

Accounts in question : XXXX XXXX has been on my report for over 7 years even though i disputed it for years that it was due to Identity theft they company ignored that is another violation qnd they are the only bureau that is reporting it. 

XXXX XXXX XXXX is not my account and Equifax is the only bureau that is reporting this inaccurate information XXXX XXXX  XXXX  is not my account that is caused by identity theft. They also refuse to send me proof as to how the accounts came back verified they know that they didn't investigate the accounts. 
I am fully aware that these accounts were not investigated! 
According FCRA these are all violations! I will also be compensated for all the violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified XXXX, Equifax, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a purchase dispute with a XXXX XXXX XXXX XXXX XXXX  Credit Card by Comenity Bank for the amount of XXXX. 
The item that was shipped to me was left out in the rain ( its a major electronic ) and had such water damage that the packaging was no longer viable to return. This damage was confirmed via photo from me as well as being marked as delivered damaged by the carrier. XXXX XXXX XXXX refused to take a return on the damaged item unless I purchased a second XXXX electronic so I could swap the damaged packaging for new packaging. 

So I contacted Comenity Bank about this and provided photos of the damaged item, confirmation of the damage from the carrier, as well as the chat thread where XXXX XXXX XXXX  refused to allow a return without me purchasing a second XXXX item. 

Comenity initially responded on XXXX  to my submitted paperwork by stating that I would not be held responsible for the disputed amount while they investigated. 

On XXXX I followed up with Comenity for an update on the dispute because I was still showing the disputed amount on my account with a payment due. I also had an autopay set up so wanted clarification on if I needed to stop autopay on the disputed charge. 

On XX/XX/XXXX Comenity responded with a canned message that did not address my question at all so I asked again about the autopay and being held responsible for a disputed charge. 

On XX/XX/XXXX Comenity responded again with another canned messaged that did not answer the question of being responsible for a disputed charge so I asked a second time .... 

On XX/XX/XXXX Comenity finally answered that I could cancel my autopay however I was still responsible for minimum payment on the disputed charge. I responded that I would have no payment due if not for the disputed amount and questioned if holding me responsible for a disputed charge was correct. 

On XX/XX/XXXX Comenity doubled down and said I did need to make a payment on the disputed charge and I was liable On XX/XX/XXXX I contacted Comenity again because the disputed charge was still on my account and I had not heard anything at all about the dispute. At this point I had also looked up rules around disputes and the FCRA and realized that my rights had been violated by Comenity multiple times at this point. 

On XX/XX/XXXX I got a response from Comenity saying my dispute had been closed on XX/XX/XXXX and I would have to now submit a second dispute if I wanted to have any further action taken. 

I was floored, I literally provided proof of receiving a faulty/damaged item that was confirmed by the shipper. I also had proof that the vendor was not following their own policy or acting in good faith to accept a return without forcing another sale. But now I have had the credit card violate my right under the FCRA in multiple ways. Comenty did not even attempt to investigate this dispute, they held me responsible for disputed charges, and failed to communicate me with about this process at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter to inform you that i have indeed been violated or my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information they would needed my written consent making them liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have they did right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get approved for my first mortgage, and the loan officer told me about a single collection account on my credit. Because my median score was a XXXX, not XXXX, I wo n't receive the a great rate. This collection was a complete surprise to me. I never check my credit because I heard it hurts your score. I just assumed that since I pay all my bills on time and do n't keep excessive amounts on any credit cards, there would be no problems. <P/>The collection is from the company XXXX XXXX. They put it on my credit in XX/XX/XXXX in the initial amount of {$420.00}. It supposedly originates from XXXX XXXX XXXX, an apartment complex in which I once lived, due to cleaning expenses. <P/>I remember this charge. When moving to a new apartment in early XX/XX/XXXX, the new apartment complex ( XXXX XXXX ) noticed this on my background check. They required me to pay it before approving my new lease. I thought {$400.00} for cleaning was absurd, but I went to the old apartment and paid it along with my final payment. <P/>I assumed it was water under the bridge until a few weeks ago. Last week, I contacted XXXX XXXX XXXX, and they could find no record that I owed them any outstanding balance. I spoke to XXXX, the office manager, who was helpful. I then contacted XXXX XXXX, and they could n't find any documentation to support the claim. Yet, they just pressured me to pay it and refused to remove it from my credit even if I did. I 've now started disputing it with all 3 major credit bureaus. However, none seemed too enthusiastic to help. In fact, they told me that it 's not their job to ensure the report is accurate ; they merely report what 's told to them. XXXX told me this was my fault for not checking my credit. <P/>I contacted XXXX XXXX, who was more than helpful by looking up 6 years in the past to find the exact check where I paid them. It was paid on XX/XX/XXXX with check number XXXX. <P/>If not corrected before closing on my mortgage, this error will cost me 0.50 % on my mortgage rate, which equates to about {$42000.00} of interest that I 'll be forced to pay. <P/>The credit bureaus should be held liable for allowing fraudulent information on their report without doing their due diligence to ensure its accuracy. They have a responsibility to their clients who purchase those report and use that information in financial decisions. Furthermore, they have a greater responsibility to the public, whom eventually pays for their negligence. <P/>Please, I need help. I 'm just one person who feels like they 're being disparingly treated because they may not have the financial means of others. I have a right, like any other, to ensure my history is reflected properly. <P/>If the CFPB wo n't help, my next step is to consult with an attorney. I 've done everything I know to do without going further, but this must be rectified before it cost me thousands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed 3 inaccurate collections reported. These 3 collections does not have a creditor attached to them to clarify. Which is illegal to add any collections without Accurate and all information attached to it. I am assuming it is medical  collections, which was disputed over a year ago and removed. These collections was understood not to report again after being removed. Equifax is known to remove items and put them back and they are also known for continued system failures. Which cause the consumer to constantly having to check behind them versus them going back to see what malfunctioned and fixing the issue.
Product: Checking or savings account

On XX/XX/scrub> 2025, at approximately XXXX XXXX  I was victimized in a " XXXX XXXX XXXX' at the Wells Fargo ATM located at XXXX XXXX XXXX. This ATM is positioned at the back of the building in an isolated area with no witnesses or security measures beyond the ATM camera. 

After completing my transaction, a man approached me claiming to be a French tourist needing help with a XXXX XXXX check deposit. He demonstrated he couldn't deposit it himself, then escalated pressure on me. As a small woman alone in this isolated location, I became fearful for my safety as he became increasingly insistent and invaded my personal space. 

Under duress and fearing for my safety, I inputted my card and PIN. The man then : -Took complete control of the ATM transaction -Deposited a fraudulent XXXX XXXX XXXX XXXX -Immediately withdrew {$1000.00} cash -Quickly fled in a silver vehicle I immediately reported the incident to Wells Fargo and filed a police report ( case # [ POLICE CASE NUMBER ] ). Wells Fargo later determined the check was fraudulent and removed the {$1000.00} from my account, making me bear the financial loss despite being victimized. 

Despite multiple communications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) and escalations with Wells Fargo ( case # XXXX ), they denied my claim stating I " authorized '' the transaction by inputting my PIN. They refused to acknowledge : -The transaction occurred under duress -The entire transaction was conducted by the perpetrator ( visible on security footage ) -Their ATM 's isolated location creates a dangerous environment -The obvious timing of deposit and immediate withdrawal indicates fraud The bank ignored that their security camera footage would clearly show the perpetrator controlling the ATM. When I requested this footage on XX/XX/XXXX, I was told only police could request it. 

This incident highlights serious security deficiencies in both Wells Fargo 's ATM placement and fraud resolution processes.
Product: Mortgage

I timely submitted to SPS a Complete Loss Mitigation application to SPS ; SPS acknowledged the Complete Loss Mitigation Application on XX/XX/XXXX. 

Despite the fact that loss mitigation is pending, SPS has scheduled a sale of my home for XX/XX/XXXX. There mere fact that a sale has been scheduled while loss mitigation is ongoing is DUAL TRACKING which is prohibited. It clearly states in SPSs own communication to me that because a Complete Loss Mitigation Application has been submitted and is being reviewed Im entitled to foreclosure protections and SPS will instruct the foreclosing attorney to postpone the scheduled sale. Since SPS has filed a Non-Judicial Foreclosure sale for XX/XX/XXXX, and there are no courts involved, there is absolutely no reason they are not able to postpone the sale and abide by their own words sent in the letter dated XX/XX/XXXX and highlighted below. This is a blatant and obvious RESPA violation. 

SPS received your complete Assistance Review Application, including all required information and documentation necessary to evaluate your account for loss mitigation assistance on XX/XX/XXXX. We expect to complete our evaluation within XXXX ( XXXX ) days of the date we received the complete Assistance Review Application. All options are offered at no cost to our customers and may include structured repayment plans, loan modifications, payment deferrals, or loan settlement alternatives. If your property also secures other accounts, you should consider contacting the servicer ( s ) of those accounts to discuss available loss mitigation options.

You are entitled to certain foreclosure protections because we have received a complete Assistance Review Application. We will not proceed with filing of the first legal action, filing a motion for judgment, filing an order of sale or conduct a sale prior to evaluating your complete Assistance Review Application. If a foreclosure sale has already been scheduled, we will instruct our attorney to file a motion to postpone such sale. It is possible, however, that a court will deny the motion and the sale will proceed. If that happens, we will be unable to provide loss mitigation. 

I am also in receipt of SPSs mortgage statement dated XX/XX/XXXX, claiming {$11000.00} in charges/fees for Other Charges and Fees. I am assuming that there are other XXXX fees and costs assessed to my account in prior months. 
As Im sure SPS is aware, RESPA prohibits charging borrowers 3rd party fees if the work if not actually performed. Specifically, 12 C.F.R. 1024.35 ( b ) ( 5 ) requires that the servicer may only charge bona fide fees ; fees that the servicer determined it had a reasonable basis to impose. However, a servicer may not charge for a service that a service provider did not actually provide. Therefore, in order to prove these above noted fees are legitimate and all fees and costs assessed to my account, I demand a copy of all invoices, evidencing all fees and the work completed for all fees charged. If I am expected to pay these fees then SPS must prove that are bona fide fees within RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act ( FCRA ), the following has violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name ; XXXX  Account Number : XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filling a Complaint to PayPal. XXXX XXXX On XXXX XX/XX/2023, I receivedXXXX In my PayPal account from family and friends and later on PayPal sent me a message to request for some information pertaining to my transaction, and I provided the information that they requested for. Shortly I received a notification that my account has been limited permanently, withholding whole the money I have in my PayPal which was channeled for XXXX bills and other urgencies. 
PayPal should stop stealing money from people. Why would they hold my money for 180 days ( 6 months ) as if am giving them a loan? This kind of scam should end. Im very disappointed with them
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. XXXX, XXXX I received multiple alerts from my credit monitoring accounts ( XXXX, XXXX, XXXX ) that Navy Federal Credit Union updated a payment history on an account thats been charged-off/closed since XXXX XXXX. 

The remarks left updated on the account stated : The XX/XX/XXXX payment status for NAVY FCU was account updated from 150 days Late to 90 days late. 

Navy Federal Credit Union has done some backhanded business with debt buyers like : XXXX XXXX, XXXX by changing last payment dates to look more attractive to companies like them. The last payment resets the debt. Example : I like in Maryland the original creditor has XXXX years to legally collect a debt from the debtor. 

If my account was charged off/closed in XXXX XXXX Navy Federal Credit Union had the opportunity to legally collect debt prior to the last date of XXXX. XXXX. 

Reason for failed payments are personal that Im facing still to this day.

But, Navy Federal Credit Union & the debt buyers they work with are doing shady practices to people everyday. 

Currently in a battle with another debt originally from XXXX XXXX thats been transferred to their debt collector : XXXX with a changed last payment/charged off date. 

Also, I called Navy Federal to see if a 1099C was done on any of the accounts I owed ; & was told that no information could be given because the all accounts have been charged off as of : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XXXX XX/XX/XXXX