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

These blundering XXXX at equifax have fraudulently SELF-CREATED a phony account in MY file using my wifes personal information. THESE XXXX NEVER have my permission to blunder away my information with my wife. NOW these XXXX do n't recognize me, because MY wifes personal information has taken over MY ACCOUNT?! # HOW stuck on XXXX are these XXXX?! # NOW, I have been playing phone tag with wrong numbers, incompetent XXXX, calling themselves equifax, ONLY a different department?! # WHAT!!!!!!!!!!!!! I can NOT get credit or rent a new apartment or room without a generic credit report. THESE XXXX have caused me extreme rage and anxiety. I told you people this years ago. Here we are!!!! I tried to get a free flu shot for veterans at walgreens. MY name and social security number comes up as a MIS-Match?! # NOW I have been wasting my time with equifaxs generic security website, which goes to trustedid.com. STILL does NOT work or recognize me. I want my file frozen from these idiots permanently. I want my wife 's information out of MY file NOW!!!!! How would clumsy XXXX protect anyones personal information?! # I had to go round and round with these idiots with there sloppy outdated obviously INACCURATE blunders in my file for years! How many complaints to you people. I warned you people years ago this would happen. Worthless XXXX  sloppy with everyones personal information. Here we are!!!! Nothing has changed!!!!! Same run around, wrong numbers, generic voice mails or sloppy self-created automated system to EVADE any accountability!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


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

Hi I called the companies and bureaus many times about these unauthorized inquiries and nothing has been done. These are fraud called on XX/XX/XXXX 3 times and was hung up twice on by XXXX, called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Bank XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Finance XXXX XXXX Inquiry from XX/XX/2020 + Finance Please remove these fraud inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has had a glitc h ( or  XXXX  ), involving credit inquiries being removed from credit reports. I was affected by this glitch. I called Transunio n, they denied I was part of this. They asked me to send proof from  XXXX   XXXX , which I did. I included a  XXXX  page fax ( which cost me {$20.00 } ), and  called a few days later for a status update. They advised me that the glitch was from   XXXX   XXXX  , not the m ( w hich is incorrect ). It is illegal for them to remove information and re add it without the consumers knowledge ( which they d id ).  I call and get the run around, conflicting information and no solution.
Product: Money transfer, virtual currency, or money service

I have over {$6000.00} in crypto that I purchased from crypto.com. I am unable to access my crypto because I can not get back inside my account. I have reached out to the technical support and still no help.
Product: Student loan

In XXXX of XXXX I had been calling Navient to advise I was financially unable to pay monthly payments towards the XXXX loans. The reps constantly advised I would need to do A forbearance and the account would need to be sent for review since I had multple forbearances in the years prior. I called again after finding out A XXXX day late payment mark was placed on my credit report for all XXXX of my student loan accounts in XXXX of XXXX. To my surprise I was informed the forbearance hadnt been submitted. I requested the calls be pulled so that the supervisor could confirm the representative was suppose to submit my account for forbearance & to have this issue corrected and it never was. Shortly after I was effected my hurricane Harvey A natural disaster that destroyed My residence and lost everything. I was unable to contact Navient as I had to focus on simply surviving. I was trying to get financial help during Harvey ( The natural Disaster ) & I was denied due to these late payments. Recently in XXXX of XXXX I sent an email explaining again what happened and requesting the company pulls calls from back in XXXX so they could confirm the account should have been in forbearance as promised. And finally Remive the inaccurate late payments that are still currently reporting. Instead they responded saying all information reported was accurate. They are refusing the research the account properly and listen to the recorded calls. Ive submitted yet another email to the CEO and was met with A response stating Id hear something in XXXX business days which I never did. The school I went to was A total scam & I called several times asking if I qualified for A forgiveness of some sort and never was informed I had the ability to apply for A student loan forgiveness under the pretense of the school closing down and misleading me at A young age. This company seems to be head strong for making me suffer for A mistake their representative made!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that Ihave signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXXXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal authorized hard inquiries from several different companies My latest credit report shows on XX/XX/year> Capital one Auto FIN, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.
Product: Credit card or prepaid card

i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.
Product: Debt collection

I have been billed for condo association assessments for a property that I do not own and did not own during this billing period : 1. I transferred title to this property on XX/XX/XXXX 
2. The property association send me bills for the XX/XX/XXXX assessments, due XX/XX/XXXX for this property on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. Each time I returned the bills in writing with a note stating I no longer owned the property as of XX/XX/XXXX 
3. On XX/XX/XXXX, Meridian Financial Services, a debt collector send me a letter stating my " debt '' had been placed with them for collections. Their contact info is : Meridian Financial Services , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX N.C. Dept of Insurance Permit # XXXX Account manager : XXXX XXXX 4. On XX/XX/XXXX I wrote a letter to Meridian Financial stating that I was not the owner and that I had notified their client of this 3 times previously in writing. 
5. On XX/XX/XXXX, XXXX XXXX/Meridian send me another nasty letter demanding payment. 
6. On XX/XX/XXXX, my attorney, XXXX XXXX wrote to XXXX XXXX and stated very clearly that I had conveyed the property on XX/XX/XXXX, enclosed a copy of the deed, a copy of the Florida statute showing I was not liable for any assessments after the transfer, that Meridian Financial was in violation of not only Florida law but federal law concerning unfair debt practice act. My attorney demanded that Meridian correct any report that reflects negatively on my credit that had been reported by Meridian. 
7. On XX/XX/XXXX I purchase a car. My credit report showed row Meridian had reported negative credit to XXXX and the other major credit bureaus. As a result, my car loan interest rate was considerably higher. 
8. On XX/XX/XXXX, I received another demand letter from Meridian. 
9. I have disputed the credit reported by Meridian with XXXX. I included all of the written correspondence above. XXXX contacted Meridian, Meridian has certified to XXXX that the original info is correct. So, even after all of this, they refuse to fix their mistake. 

Meridian Financial has continued to ignore me and my attorney. HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and he had access to all of my personal information; including my bank account, computer, and paystubs. This was because he was paying my monthly bills as well as other duties. He opened several accounts with my information. I needed to relocate for XXXX XXXX  and I was not aware of these accounts until I checked my credit a few years ago. I added fraud alerts on my credit file so that any future credit issued would have to be verified by calling me. I was able to shut down several fraudulent accounts and when I contacted the police within my current state ; they told me that I could not file a police report here because it happened in another state. However, when I contacted my former state ; they stated that I needed to physically come in to file the report. I am unable travel due to my XXXX. 

I filed a FTC report and submitted it to Equifax, informing them of the fraudulent account. I submitted several disputes to block the account per FCRA 605A, FCRA 605B ( a ) ( 1 ) - ( 4 ), and FTC guidelines. However, the credit bureau, Equifax continues to violate FCRA and FTC guidelines by continuing to report the fraudulent account on my credit file. I have retained every dispute submitted to them as I sent them online and via certified mail. I have also made several phone calls to the credit bureau but I was directed to send everything via mail. 

They have denied my requests by claiming that they need verification of my identity. I the latest correspondence, I sent all documents per their guidelines and FCRA 605B ( a ) ( 1 ) - ( 4 ). I provided a copy of my drivers license, social security card, and I had the correspondence notarized by a certified state notary that physically verified my drivers license and my identity. I also submitted the FTC report, identification of the fraudulent account, and my statement that I am not related to any transactions on the account. 

I am requesting that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount : {$5800.00} be blocked as it is an account opened using my personal information without my knowledge and I have submitted ( several times ) all legally required documents. 

I have attached the correspondence sent to the credit bureau ( excluding the copy of my social security card and driver 's license ).
Product: Debt collection

I was seen at the hospital for a vehicle accident that was causing XXXX-pain issues and XXXX/XXXX XXXX. Doctor never gave me a XXXX-check, or even examined me, just offered me pain pills and discharged me. Still have pain to this day because of the accident but could never afford a lawyer to fight it in court.
Product: Credit card

I received an alert on XX/XX/year> concerning a hard inquiry from Capital One to XXXX, XXXX etc. I did not initiate this credit card request. I contacted all parties that day to alert them. Capital One did not have any request from me. 

Today I review a letter from Capital One requesting copies of government issued id. Even though it looked very official it was on cheap paper and the phone number on it ( XXXX XXXX ) did not match any numbers I could find for Capital One.
Product: Payday loan, title loan, or personal loan

Approximately around XX/XX/XXXX I received a installment loan in the amount of {$690.00}. I fell on hard times and defaulted on my loan. XX/XX/XXXX a garnishment was filed in court in the amount of {$1700.00} with XXXX percent per annum. I completed the payments for this garnishment on XX/XX/XXXX. On XX/XX/XXXX another Garnishment in the amount of {$2600.00} was sent to my employer. I contacted the collection firm Miller and Steeno PC out of XXXX  XXXX MO to try to understand why I was being garnished again and I completed the last garnishment. I spoke with XXXX & XXXX, both these people stated that " it was the responsibility of my employer to contact them at the end of the loan to determine if there was an additional balance that needed to be paid '' and because they failed to continue payments I am now in default again and this continuous garnishment in the amount of {$2600.00} was due to interest accrued while making payments on the {$1700.00} garnishment. They also stated my employer should never stop making payments until they receive a debt settlement letter. As my employer stated, they cut the payments off once the requested amount on the garnishment is reached. My employer does not know to calculate interest into payments or to reach out to the collector to verify if there is still an outstanding balance. I did not know that that was something that had to be done. Unfortunately, I have been garnished before and this is the only company that has a continuous garnishment requesting ridiculous amounts of money when the principal amount has been paid plus more. The collection agency Miller & Steeno also stated to me that the next statement of judgement will be sent 6 months from the date of this second garnishment which they have a 6 month date of XX/XX/XXXX on my Statement of Judgment Balance remaining. This will continue to be an ongoing process as each continued garnishment accrues interest as I am making payments, so it will never stop I will always have a balance unless I make a lump sum payment that I can not afford to make, I do not have lump some money to give. I take full responsibility for defaulting on my loan and accepted that I had to pay back {$1700.00} as a result ; but at this point this will continue to be a thorn in my side like a never ending story as every time I complete one garnishment there will always be a remaining huge balance due to the huge amount of interest accumulating at a ridiculous rate for as long as I take to make the payments to settle one continuous garnishment. I can not for the life of me understand how this is legally possible to get a {$690.00} loan and to have to pay back at this point I'm at {$4400.00} and that amount will get bigger as the interest at XXXX percent per annum will continuously accrue while I am trying to make payments to satisfy each judgment. This is extremely heartless and straining on consumers trying to maintain in life.
Product: Vehicle loan or lease

I totaled my XXXX  XXXX XXXX  I had gap insurance during the wreck and it should have been paid off. I gave them all the info they needed I had insurance through XXXX and additional gap coverage from XXXX XXXX XXXX. XXXX said they sent the check off to cover the amount on the car to closed the account threw BB & T. BB & T is saying I have to pay XXXX just to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of FCRA. See attached signed complaint.
Product: Vehicle loan or lease

i was in a XXXX XXXX XXXX XXXX and i had got ot the hospital. my insurance lapsed while i was in there. they didt have insurance so i was stuck with the bill.
Product: Money transfer, virtual currency, or money service

I sent {$200.00} to the wrong email address and I spoke to a supervisor who said that if he closed the dispute that the money would automatically come back to my account but the money never came then I was told that that was incorrect so he reopened my dispute and then they closed it again and I have not received my money back which is a XXXX present I am very very upset with PayPal. 
Please help me get my money back before XXXX Thank you so very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA a charge off account must be reported with a 0 dollar balance. There is a charge of account reporting in accurately on my credit report. I have tried to get this matter taken care of directly with the organization.
Product: Debt collection

" consumer collection mana '' has placed and account for collections/chargeoff on my credit reports in the amount of {$200.00} for an original lender of " XXXX XXXX XXXX XXXX  '' and the following information is listed as " NOT REPORTED '' amount past due, account type, credit limit, or any payment information. I have never heard of them before and have never received any written communication allowing me the opportunity to request a VOD. Is this mine, did I apply for credit somewhere?, if so was it properly billed? Send any and all supporting documents please, why was I never contacted in writing about this before it was a negative mark on my credit?
Product: Mortgage

I signed loan documents with Chase to refinance from a 15 - 30 year and pay off debt. All of the documents related to Loan No : XXXX have been sent via email XXXX/XXXX/2016. I am working with the XXXX person and they are asking for doc 's that were provided to initial loan specialist. About XXXX or XXXX different people at Chase have various pieces of documentation. 
I was blamed by XXXX agent not knowing that my home was held in trust. 
Now I have liens pertaining to " Keep your Home California '' that were missed, and agents that do n't understand the program. 
I am handicapped, and under the care of great doctors @ XXXX. 
Should n't it be easier than this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXX/XX/XXXX {$72.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX {$520.00} 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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: Vehicle loan or lease

On XX/XX/year> I applied for a lease through XXXX for a XXXX XXXXXXXX XXXX. XXXX uses Chase Financial for leasing by XXXX customers.The application was denied later that day. Working with a XXXX staff member, I requested the reason for the denial. The XXXX staff member told me that Chase would agree to the lease only if I re-applied with a co-applicant. I have no co-applicant and so did not re-apply. Chase has consistently provided no reason for the denial.