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

Consider this as a follow-up complaint to my previous attempt dated XX/XX/XXXX. I want these items to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice today to request my free annual credit report from Equifax. I have 3 mortgages, 2 car loans, and 5 credit cards. The questions that are asked on the website to verify my identify are not specific enough and it is impossible to decipher which account they're asking about. A question regarding my mortgage monthly payment could have a correct answer of XXXX, XXXX, or XXXX. A question about my monthly auto loan payment could be {$730.00} or {$330.00}. It's a guessing game where I get permanently locked out of my credit report if I'm wrong. 

I have called twice, they have extensively verified my identity ( since I could clarify which account they were quizzing me about ) but will not grant me online access to my credit report. I do not  recall having this issue with any other credit bureau ( as they specify the opening date of the account they are asking about ).
Product: Payday loan, title loan, or personal loan

I was told that I was pre-approved for a loan of up to {$1000.00} and when I applied I was approved for {$500.00}. I signed at the prompts and received the money, however I havent been able to speak to anyone about how the money is being taken from my account. The amount I received and the amount that they expect me to pay back is ridiculous and I had no idea until I XXXX  them and found the website with the link to log in to the website. I was able to pull up the documents of the agreement and the amount they said they gave me was more than what they gave me and the amount and period they want me to be obligated to them for is crazy. Can someone please help me ... I am a single mom that works hard and try my best to make ends meet, I dont need to be scammed out of the few pennies that I have left over after paying the bills to sustain my family.
Product: Credit reporting or other personal consumer reports

I am disputing the reinsertion of previously deleted items on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice. 
According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 
I am requesting that these items be deleted from my credit report immediately, and an updated credit report be provided to me. I am now filing a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

Both XXXX XXXX TransUnion have violated my rights!
Product: Credit card or prepaid card

XXXX purchases using XXXX Comenity Bank Credit card XX/XX/2020 {$210.00} XX/XX/2020 {$120.00} XX/XX/2020 {$30.00} My bank account debited XX/XX/2020 {$210.00} Current bill {$150.00} will be debited from my bank account XX/XX/2020 Total of {$370.00} billed Due credit of {$310.00} Items were returned by mail using XXXX printed labels and instructions on XX/XX/2020 and XX/XX/2020 Two items were kept value of {$61.00} Phone calls and online chats to both XXXX and Comenity Credit card have not resolved this issue. I'm told to wait and apply for a refund when the credit appears on my card. There is no indication that these items have been credited to my account.
Product: Debt collection

This debt is appearing on my credit report from Portfolio Recovery Services. I 've sent communication to them for debt validation on two occasions. I have not to receive what I requested. They are reporting the collection as being opened on XX/XX/XXXX which is actually incorrect. The debt went delinquent in XX/XX/XXXX. They are reporting the open date as XX/XX/XXXX. Collection agencies can not re-start the deletion time period unless they have re-aged an account which could be a violation of the Fair Credit Reporting Act. They 've added on 2 additional years of reporting which will extend the deletion period beyond the 7.5 years allowed.
Product: Credit card

I have disputing incorrect information that is reporting to the credit reporting agency 's. qvc is trying to collect a debt from me in the amount of {$380.00} which I paid this account off in full. This account was sold to XXXX who I also contacted to advise them that I do not owe this debt. I received a letter today from syncrony bank/qvc stating they have received my prior complaint to the fcra and advising me that they no longer have this account as it has been sold to XXXX and if I disagree I have 20 days to respond. I wrote a XXXX page letter back to them stating that I do not owe this money and should have never been sent to collection. I also requested to please correct there records and remove this incorrect information off my credit reports as it is causing a negative impact on my credit report and score. I see that a cc was sent to the fcra as well so I am responding as well to the fcra. I have been dealing with this for month 's now and am very upset that they are telling me it is reporting correctly. There records are wrong. I still to this day do not understand how they tell me I was to make my payments to the qcard and not directly to qvc. Well I made the payments directly to qvc. I put the account number on the card in my banking information and made the payments directly from my bank account to qvc. Then they go and sell this company over to XXXX? Now I am having an issue with XXXX as they want {$250.00}. I refuse to pay {$250.00} for something I do not owe.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXXXXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; XXXX  opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX ; XXXX, XXXX, XXXX on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XXXX XXXX XXXX. 
I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX XXXX Account XXXX : XXXX As a consumer by law this must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XX/XX/XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 3. Validate this false charge off it does not belong to me XXXX XXXX XX/XX/XXXX Account Number : XXXX As a consumer by law this must be deleted immediately
Product: Checking or savings account

XX/XX/year> I received email from Marcus savings that there was some information needed and I should call in asap and I did that then was informed there is fraudulent activity in the account, I will no longer be able to transfer money until resolved. I have made numerous calls to Marcus from then to now, new info I have gathered is my account will be closed but an case is still open I will not be able to revive my funds until case closed there is over XXXX in the account which I need for something in the next month. They refused to give a time frame of how long case needs to be reviewed and when I will receive the check. They are holding my money and refuse to give a date it will be released.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is that equifax does not rate my score fairly XXXX is a XXXX XXXX is a XXXX and I was told my equifax was XXXX however when my credit union pulled my score it come back as a XXXX causing me not to be able to finance a thing I dont understand how my score can be that many points off from the other I feel equifax is not being fair with me I disputed negative items with XXXX they removed however equifax XXXX remove nothing even XXXX I have written proof.
Product: Credit card or prepaid card

I noticed in XX/XX/2020, that I had a late payment for {$5.00} was reported to the credit bureaus by Chase. My credit card balance was {$0.00} since XX/XX/2020 and I had not used my card. I called Chase and they agreed to remove this charge and late payment but as of today XX/XX/20 it is still on my credit report. 

My credit score has been decreased by 40 pts.
Product: Mortgage

additional docs - Rushmore states that my account was still under foreclosure - affirmation docs were sent in and modification was completed around the same time. Previous servicer had the docs and therefore continued to send the statements. 

XXXX XXXX has not send statements and updated my credit score to reflect my loan was written off due to bankruptcy - thats not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submission, Equifax responded with results stating that the account in question is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( b ), as highlighted in the CFPB 's administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

The account under investigations is XXXX XXXX XXXX
Product: Mortgage

Every month started on XXXX day, Chase XXXX Department calls me regarding my mortgage payment. But by law, every mortgage customer has a 15 day grace period to pay. I get so afraid every time Chase Collection before my grace period ended saying " THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAIN WILL BE USED FOR THAT PURPOSE. '' The customer service rep always insist the only way to stop the collection calls, although, i 'm never late, is to request a COMPLETE CEASE & DESIST of all future communication. 
I find that to be very disturbing, as i am not requesting all future communication to stop, only the collection attempt ones for payment that is n't pastdue yet. 
I suffer emotional pain and distress after each call.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a consumer and a natural person, have fallen victim to identity theft. XXXX, Experian, and XXXX have utilized and shared my consumer report without obtaining my authorization, consent, or written consent. These agencies have permitted companies to distribute my nonpublic personal information without my approval. It is essential to recognize that Congress firmly upholds a consumer 's Right to Privacy. However, XXXX, Experian, and XXXX have infringed upon my federally protected privacy rights by failing to fulfill the requirements set by Congress to exercise their significant responsibility concerning the confidentiality of my personal data. The Fair Credit Reporting Act was established to guarantee that consumer reporting agencies carry out their substantial responsibilities with fairness, impartiality, and respect for consumers " Right to Privacy. Regrettably, XXXX, Experian, and XXXX are currently in direct violation of both the FCRA and the Gramm-Leach-Bliley Act of 1999.
Product: Debt collection

XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland Credit Management , inc. stating that all collection attempts will be ceased until conclusion of the investigations which i never recieved. On or about XX/XX/2018. Midland funding llc. filed and was granted Motion For Judgment By Default, under c.r.c.p. 312 ( a ) .where it states The defendent has failed to file and serve a responce to the coimplaint and no responsive pleading has been filed with in the time permitted by c.r.c.p. 312 ( a ). XX/XX/2018 i filed a Judicial Notice of Adjudicative Facts, also filed was the Consent Order, and other evidence. ON or about XXXX XXXX thw jugde put a Stay Of Jugdment and ask me to seek relief which is pending ( cfpb ) findings.On or about Febuary XXXX i recieved from Midland Credit Management a letter stating, A Judgment has been enterd against you, for $ XXXXEven though the jugde put a stay on the judgment.And the judgment was for {$2800.00}. so agian they are violating the consent order and asking for more than the judgment was for. 
Whereas Midland Funding Llc, and the Appointed Fiduciary XXXX XXXX XXXX, failed to answer the notice of Dispute and Violate the consent Order with the intent is to deceive and or mislead me. 
Whereas Midland Funding Llc, and XXXX XXXX XXXX willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XX/XX/XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non-economic loss or injury.And any relief that can be sougth after for there violation of the consent order. 
Relief available, ( CFPB ) 12 US CODE 5565. 
We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS Midland Funding, Llc and its appointed Fiduciary XXXX XXXX XXXX, Civil Money Penalties and Damages for non-economic loss or injury and viod judgment. 
Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

A man called me claiming to be XXXX XXXX. He said that he was going to come by my house Monday, XXXX XXXX with papers for me to sign because I was being sued. If I did not call the number XXXX With the said reff number he would be coming by my house with paperwork to be signed because I was being sued. When I called the number it was to Lionstone Holdings. I am not sure what they want but I have never had a loan through them, nor do I have an unpaid loan. I do n't appreciate a strange man saying he is going to come to my house!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my permission or consent of acknowledgment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have 2 safety deposit boxes with Wells Fargo Box A ( 5 x 4.5 ) since XXXX and Box B ( 3 x 4.5 ) since XXXX. Neither of these have every had a delinquent balance and are up to date in payment thru XX/XX/XXXX respectively. I visited my Wells Fargo Branch XX/XX/XXXX to access both boxes since I had not opened either box since XXXX to inspect contents and determine if both boxes were needed. Upon entering the safe, it was determined that there were three ( 3 ) " B '' boxes, Two of the " B '' boxes would not open with my key and the 3rd " B '' had been drilled. After three days of research on Wells Fargo 's behalf, it was determined that my box " B '' was the one that was drilled open on XX/XX/XXXX. I  have never been contacted about my box potentially subject to drilling. This error was uncovered by my visit to access MY Box " A & B ''. ( Ironically, they were not able to get my key to open Box " A '' either ). The only information they were able to share with me were the names of the two Wells Fargo employees that were present at drilling the box. I was not allowed a copy of that form from Wells Fargo. Why do they have three safety deposit boxes with the same identification number and the same size in the same safe at my branch location. How secure it the identifying process when accessing and/or drilling. Why was I not notified of this error???? I believe Wells Fargo to be culpable for the fact that my box was drilled over 3 years ago and expect me to automatically believe that the box was found empty. I am not satisfied with offering to re-key and provide this box at no expense to me. This box ( " B '' ) was grandfathered from XXXX XXXX XXXX and has be {$0.00} annually since XX/XX/XXXX. How am I supposed to believe that this would not happen again with either of my boxes?? I met with the Branch Manager on XX/XX/XXXX and did not agree with his offer to re-key or give me another safety deposit box. I left the meeting stating that I would need to determine how I wanted to proceed. After talking with other professionals in the business, I determined that I should start with this agency, CFPB. As of today, I have not been contacted by Wells Fargo as a follow-up. My confidence and trust in my financial institution has been diminished greatly. I would have thought as a valued customer for this many years, I would have been a priority to resolve this to my satisfaction and instill a renewed faith in my financial institution, Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX  I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION, XXXX Closed on XXXX XXXX, XXXX, XXXX XXXXClosed on XX/XX/XXXX and any inquires that are attached to any of these accounts I would like them BLOCKED AND DELETED BY TRANSUNION, XXXX ( Bank ), XXXX ( Finance ), XXXX XXXX ( Miscellaneous ), XXXX XXXX ( Bank ), XXXX  XXXX ( Bank ), XXXX XXXX H ( Auto ) XXXX XXXX XXXX ( Bank ) XXXX  XXXX ( Bank ), XXXX ( Bank ), XXXX XXXX ( Auto ), XXXX  ( Bank XXXX
Product: Debt collection

XX/XX/year>, my PayPal account was hacked, stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}.