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

https : //www.equifaxsecurity2017.com/ XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX.  The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.
Product: Credit reporting or other personal consumer reports

The XXXX  XXXX XXXX account listed on my credit report is inaccurately reported as a charge-off. The creditor agreed to delete this account and issued a 1099-C, Despite this resolution, the account continues to show as a charge-off, which violates the Fair Credit Reporting Act ( FCRA ). I previously disputed this account, and under FCRA Section 605 ( b ), it is unlawful to report this account without my explicit permission. 

The inaccurate reporting of this account negatively impacts my creditworthiness, and I request that the account be corrected to accurately reflect its status or be removed entirely from my credit report. Please resolve this promptly and ensure compliance with all applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -NAVY FCU XX/XX/XXXX -BK OF XXXX XX/XX/XXXX -CAPITALONE XX/XX/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 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.
Product: Debt collection

On multiple occasions the company at XXXX has called representing Belmont finance. I havent had this debt in years. They keep telling me that they are going to send people to my house to do a an asset assessment and come to my place of work. They said that if I pay them half of the debt today they would consider it settled. I feel like this is fraudulent even when I ask for the original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive treid multiple times to have an account that is over 10 years old removed from my Experian account and they still refuse to do so. There is no legal basis or requirement to continue showing this account. It should be removed.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I was in XXXX from XX/XX/XXXX XXXX XX/XX/2021 This is not my account I have XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting in account payment amount to my credit report, which is hurting my credit report .I called XXXX XXXX several time to update my credit report and there were no response. 180 days late is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT BUREAU IS REPORTING THE WRONG NAME AND ADDRESS ON MY CREDIT REPORT. I ONLY HAVE XXXX NAME WHICH IS XXXX XXXX XXXX. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER NAME AND ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT NAME AND ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS OR GONE BY ANY OTHER NAME. ANY OTHER NAME AND ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.
Product: Checking or savings account

Ive already filed a complaint with this company to which Bank of America did give me a call left me a voicemail on XXXX XXXX of this year Ive called back almost a dozen times and left a dozen voicemails to which they have never called me back originally my whole reason for filing was because {$300.00} that was transferred to me was stated to have never been claimed or went through with the bank and was never put into my account to which Bank of America says that they can not help me with and they denied my claim for reimbursement they sent me a text stating that I received my wire transfer but when I went to call them and speak to them about it they said they had no idea how I was able to get a text and they couldnt explain it themselves I still havent been able to talk to anybody no ones called me back at all
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was divulged during the 2017 Equifax data breach. I have filed a 90 day fraud alert on my account and will continue to monitor my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and anxiety, and I am deeply concerned about the potential long-term consequences if not addressed promptly. I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit card or prepaid card

On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. 

I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. 


Please see attached numerous emails sent to XXXXXXXX XXXX XXXX  XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Bureaus XXXX, Trans Union, and XXXX  are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).
Product: Mortgage

The loan servicer failed to make timely property taxes payment for me, I am facing late fees and potential tax lien on the property.
Product: Debt collection

USAA falsified documents in order to get me to pay an amount of their indebtedness to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX for wireless tv services. They said there would be a charge for installation. I was ok with that. When the installer came out on XX/XX/2019 he had a mood that was uncooperative and irritated. We asked the wire to be placed in an area we wanted, and the difference was a matter of five feet. He told us that would cost an extra {$100.00}. That wasn't acceptable and he installed where he wanted the wire to go. His attitude now had me upset and I just wanted to get rid of him. I called XXXX to report this guy and complain. I was left on hold for over two solid hours without anyone answering. Now I was angry. At this point I had had it with XXXX. I took all their equipment the same day, XX/XX/2019, got in my car and drove to their store in XXXX XXXX which another of their stores told me accepts returns. I have a receipt from them showing the return and the date. Then they billed me for the service which was unacceptable. I got a call from them regarding the bill and I told them what happened. There was no " I'm sorry '' or " how can we make things right? '' They just turned me over to collections. I got one call from them and told them not to call again, and they didn't. Then I cancelled my telephone service with them, but they have a mark on my credit report and I want that removed. I will do whatever I have to to get them to wake up including small claims court.
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am challenging the validity of this alleged eviction you have listed on my consumer report. I recently challenged this same account with the credit bureaus and they came back stating thats they verified the account name above To my act knowledge your company has responsibility to ensure accuracy and completeness on anything you are reporting on me with that being said please send me any supporting documents you file that you believe justify such defaming information. I am expecting a response from you within 30 days from this letter if such documents can not produced please delete this eviction from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EQUIFAX : 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: Mortgage

In XX/XX/XXXX, my friend set up a living will so that I would receive his house upon his death : The XXXX XXXX XXXX XXXX. ( I had given him considerable financial help over the years, including paying mortgages arrearages of {$100000.00} in XX/XX/XXXX to XXXX, a debt collector ). Just before Barrys passing in XXXX of this year, I paid XXXX the remaining balance of the mortgage : {$130000.00}. I then put the house on the market and had a signed contract in XXXX. A month into the closing process, the title search comes back saying there is another mortgage on the house of {$190.00}, XXXX from XXXX!!! ( XXXX XXXX  XXXX XXXX, XXXX, CT. account no XXXX ). In the 15 years I had known XXXX, he never once mentioned the name Webster Bank. In addition, I removed at least XXXX bankers boxes of paper from his home, many going back decades : not a single document from XXXX. In addition, I picked up his mail for 8 months while he was sick and in hospice, and absolutely no communication from Webster. At the closing on XXXX XX/XX/XXXX, after the payment to Webster, I received proceeds of {$180000.00}. Yep, I paid out {$230000.00} and got back {$180000.00}. 

As you can see, had I known about the Webster Bank mortgage ahead of time, I could walked away from the house and saved my self {$51000.00}!! Does Webster have any responsibility at all for this? Are they required to keep in touch with a borrower at all? Monthly? Yearly? If you ask them, would they be required to tell you when they last sent correspondence to XXXX? Is there any kind of statue of limitations on anything?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

This is XXXX XXXX and I went in to take out approximately {$500.00} to close my retirement account which was a rollover IRA and have it coded as a XXXX  as a premature distribution under the age of XXXX and a half. I mentioned to the gal several times this has to be a code XXXX  and then she came back and gave me the paperwork and it was coded as an XXXX. 

I've gone in their office several times and talk to a manager who got on the phone with the back office and they said they would take care of it and I recently received my 1099-r for the year XXXX  and it's still coated as a XXXX and it has to be coded as a XXXX.
Product: Credit reporting or other personal consumer reports

1. CAPITAL ONE-CHARGE OFF ( PAID AND CLOSED ) {$480.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXUNKNOWN KNOWLEDGE OF THIS ON MY REPORT XXXXXXXX XXXXI WANT REMOVED OFF MY CREDIT REPORT
Product: Debt collection

I am not liable for the debt owed XXXX XXXX XXXX.. I didn't sign a contract with Jefferson capital system
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Mortgage

I can not get Ditech Financial to process my XXXX XXXX to my account. This will be my 2nd attempt in getting Ditech to process the Dodd-Frank Certification with zero assistance. My first attempt was on XXXX XXXX, 2016. The documents sent into Ditech three ways - mailed, faxed and uploaded ( located Hardship Uploads ) on to Ditech webpage to my account profile as directed in notice dated XXXX XXXX, 2016 - Ditech failed to process these documents. 2nd attempt XXXX XXXX, 2016 - Mailed, faxed and uploaded on to Ditech webpage ( located Hardship Uploads ) as directed in notice dated XXXX XXXX, 2016. Detech keeps sending me the Document to fill out but refuses to apply the document to my account status adjusting my balance.