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

I submitted a letter to the Equifax Credit Bureau XX/XX/XXXX to REMOVE this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX and credit reporting agency are refusing to adhere to FCRA and the FTC guidelines and regulations. My personal information that was used to establish unauthorized accounts by my alleged ex is the same information that is being used to verify accounts not opened by myself. 

Please refer to FTC Theft Report.
Product: Money transfer, virtual currency, or money service

I send money to cash app and nothing was delivered and I didn't get my money back it was {$1000.00} and I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did numerous disputes with Equifax about items/inquiries on my credit report that did not belong to me. Equifax falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Equifax remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX. XXXX 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

XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
Product: Debt collection

XX/XX/2019 Select Portfolio Servicing forced a call thru our company switchboard to harass me over my account. I instructed them they are not permitted to call me at my work and requested they contact me at home. They refused and stated they will continue to harass me at my place of employment!
Product: Credit reporting or other personal consumer reports

I experienced identity theft. Someone used my information to open credit account with XXXX XXXX. I filed three ( 3 ) depute with XXXX XXXX. I have done all that they have asked of me during their investigation/process. 

Each times, all they have done is sent me something that said that I benefit from the account. 

How is it possible for me to benefit from an account that I never open or even know the person that used my identity to retained this account?!
Product: Credit reporting or other personal consumer reports

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 Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I retrieved my credit report and noted that XXXX XXXX XXXX ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly XXXX XXXX ), the address reflected was to XXXX XXXX. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. XXXX XXXX never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that XXXX XXXX   had reported these same 4 derogatory accounts, that do not belong to me, on my Equifax report. I disputed with Equifax but to no avail. Equifax responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from XXXX and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against Equifax and at XXXX ( as it appeared on my credit report ). It took Equifax over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby Equifax stated the accounts were mine. 

I then sent XXXX XXXX another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH EQUIFAX & XXXX XXXX   ARE IN VIOLATION OF THE LAW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Equifax asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. Equifax stated in their response that the account with XXXX XXXX was updated but noting was mentioned about XXXX XXXX. The letter was received by Equifax on XX/XX/2019. I did not receive a response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. That is well beyond the 15 days allowed. Additionally, I received a letter from XXXX XXXX XXXX   dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask Equifax how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?
Product: Debt collection

This is a XXXX  account that carried over to a collection bcuz of identity theft. My uncle got un authorized equipment on my account. I told him to get his phone through his factory warrant for his phone not working an he got a bunch of equipment on the account. Due to people there at XXXX. I talked with XXXX about this issue before it went into collection an they said it was nothing they could do. Please help me in this issue.
Product: Checking or savings account

Tried to pay a vendor online and set up automatic deductions from the account. TD Bank said they allow XXXX to do that but not the company I need to pay XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 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: Credit reporting or other personal consumer reports

This company reported an overdraft of {$320.00} to Chexsystems before they ever investigated my claim. I reported them to the CFPB and they gave me monetary relief of {$300.00} because they were wrong. They however, have not removed the information from the chexsystems. I applied for a bank account today with XXXX and was denied because of this fraudulent reporting. 

See CFPB report XXXX.
Product: Mortgage

We had been at XXXX XXXX XXXX in XXXX, California for almost 20 years. We refinanced our home with Country Wide Mortgage. When my husband applied for this, he was told by the agent at Country Wide that they had been instructed to lend to anyone with a heartbeat. 
The market collapsed, we were not able to keep up with our payments and contacted Country Wide. They were working with us and assured me that we could come to a settlement. I provided them with all the documentation they requested. Suddenly our home of over 20 years was up for public auction. I tried to contact County Wide and was told the person I had been working with was no longer there and they could not help me. 
We lost our home. I did not know there was an agency that might be able to help us so we left after paying a {$2000.00} per month payment for more than 20 years, we lost it all.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized Multiple Credit Inquiries and Request for Removal and Compensation Dear Sir or Madam, I am writing to formally dispute unauthorized multiple inquiries on my Experian credit report. Despite an identity theft alert in place, your agency allowed companies such as XXXX XXXX  to make repeated inquiries in short intervals, drastically affecting my credit score and preventing me from securing housing and other credit. This has caused me significant emotional and financial distress. 

Violation of Rights : Your actions are in violation of the Fair Credit Reporting Act ( FCRA ), including : Section 605B : Identity Theft Protection Section 1681i : Duty to investigate disputes Section 1681b : Permissible purposes for pulling credit Section 604 ( a ) ( 2 ) : Redundancy in inquiries
Product: Credit card or prepaid card

XX/XX/2019 a purchase was made with XXXX. I called told them my travel location/dates. They negotiated a price with XXXX. The representative of XXXX said ok we have everything set took my card information and said well email you confirmation. XX/XX/XXXX, was the day my flight was set. XXXX refuses to honor my ticket and told me at that time that I had a restricted ticket. This was never explained at the time of purchase. A service was never rendered and I paid XXXX dollars for this flight. I called Bank of America to dispute the charge, and they denied it stating the merchant said I signed a contract and agreed to terms which is all false as restricted terms or conditions were never stated.
Product: Student loan

On  XXXX / XXXX /  XXXX  , I contacted Great lake s Borrowing Service to discuss concerns regarding  how interest is being applied to my student loans. I have  XXXX  loans serviced by Great Lakes s Borrowing Service.    XXXX  balance is at {$20000.00} and the other is a balance of {$9300.00}. My total payment is {$270.00}. I had recently started making a small increase in my payment to {$300.00}. Over the course of  8  payments at {$300.00}, I noticed that my interest was not decreasing, but increasing. When I called to discuss my concern, it was n't until the operator looked further into the matter, when he discovered that my loan was an Adjustable Rate loan. This news was concerning to hear, because I looked on their website for information regarding my interest rate, and there is no information regarding my rate was adjustable. I requested to speak with a supervisor, and the supervisor told me that I should look to my master promissory note for full disclosure. The supervisor said he would make note of my request because he too thought that this information should be listed on the site. My issue is that I had no idea that my loan was an adjustable rate, and I was hardly getting no where with the balance. Please help, I believe that Great Lakes withheld important information regarding my loan being an adjustable rate on their website. Nothing on their website shows when and how the rate adjusts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I applied for lending with XXXX XXXX XXXX. I signed up for their service for {$3900.00}. XXXX XXXX  XXXX looked at my credit profile and determined I have two items on my report that needed to be removed. One debt collection that has a XXXX balance yet is showing on my report. The other is from a company that I am part of a class action suit with. XXXX XXXX  XXXX has a relationship with XXXX XXXX XXXX and recommeded this company. I paid an additional fee for XXXX XXXX. I have had a 1 year membership with both companies. I have paid for membership, credit repair and credit monitoring. I asked both XXXX XXXX  XXXX and XXXX XXXX if I should pay off the item with a balance to get it removed. Both companies assured me that XXXX XXXX is able to remove the items from my credit report. It is almost 1 year later and XXXX XXXX has been unable to remove the items. In addition, XXXX XXXX has said even if I pay the company with the class action law suit ; the information will not be removed from my credit profile. I have been mislead by both companies. I am also told that because of these items I do not qualify for funding.
Product: Mortgage

XX/XX/21 XXXX XXXX XXXX, XXXX appraised my house at {$800000.00}, At that time they should have automatically removed PMI since they were aware that my XXXX was less that 80 % and my equity was well over 20 %. I just came out of forebarance and they used 3 months as a waiting time for a now loan with a reduced rate from 4.375 % to a modified rate of XXXX XXXX to 3 % the going rate, and removal of PMI. Please check their figures saying I need to send them {$100000.00} to end PMI. There is a lot more to this. Please call XXXX XXXX XXXX XXXX for more information to start this case. 
address is XXXX XXXX XXXX XXXX NJ XXXX
Product: Bank account or service

Key Bank has used poor business practices and charged me an excessive amount of money for overdraft fees.
Product: Credit reporting or other personal consumer reports

My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID XXXX
Product: Debt collection

National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.
Product: Checking or savings account

I went into my local Citibank on XX/XX/2020 around XXXX. I had the teller transfer {$100000.00} into my personal savings account. I then sat with a bank representative that took my passport information and placed a wire for me in the amount of {$100000.00} to my personal XXXX account. The wire never made it. I later found out that Citibank not only stopped the wire, but returned it and then froze my account. I called daily to ask them to unfreeze my account. They told me I had to wait 7-10 business days for a letter with a reference number. I even went back into the same branch and they called the fraud department to tell them they were the ones that initiated the wire and to unfreeze my account. I called daily to speak to a supervisor, was told one would get back to me and no one has called me. I received the " letter '' and it had the wrong name ( last name XXXX ) and it also had the wrong last 4 digits of the account number in question. I called and told them that they had made a massive mistake, gave them the reference number and my account is STILL frozen since XX/XX/XXXX. I was promised an email within 24 hours. It has been XXXX hours now. They are holding my money hostage, {$120000.00} to be exact. This is not okay. I am now having XXXXXXXX XXXX and XXXX and no one will help me. Please help.
Product: Credit card

I sent funds to my Paypal Smart Connect account that is backed by Synchrony Bank in error. Once I realized it was sent to them, I called XXXX, was transfered to Paypal Smart Connect and hung up on XXXX times by the automated system. When I could finally figure out how to get thru the IVR to a real person, I got transfered again. The IVR would accept my account information, social, or zip code. This processed has been repeated multiple times. I call, get transfered, hung up on/transfered again. When I spoke to a manager, he demanded the adress on the account, I have him my address. This was not good enough, I had to find the address, by calling the attorney that settled my account, and call back.. I finally speak to a manager, XXXX XXXX, he needs to research.Please note that I was never asked to confirm the address. He calls back, I now have to call another department. I call XXXX. I get told I have to speak to someone else, I get transferd. After XXXX hours on the phone, XXXX people, I am told I have to send a payment request in writing to a XXXX . There is no fax available so I can expadite this request. My Smart Connect account was enrolled in a repayment program in XX/XX/XXXX. There was a settlement reached in XX/XX/XXXX and the final payment was made XXXX. I sent a billpayment to the wrong XXXX account on XX/XX/XXXX and it should be arrived electronically on XX/XX/XXXX. Now I have to have proof of payment along with my signed dated request to get the funds back. Infuritating! 

This is n't their money and I should not have to dance like a dog throug hoops to get it back.