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

Good evening, my name is XXXX XXXX and I am a little frustrated, confused, and at my wits end. I am hoping to get some type of resolution to my ongoing issues with Equifax. I am a consumer that consistently monitors my credit report and anytime there is an issue I try my best to contact either the creditor or the credit bureau to rectify the situation. To my avail the credit bureau Equifax has been very reluctant to rectify the fraudulent, unauthorized inquiries that are listed on my credit report. I have disputed until I am blue in the face, I have even submitted a letter from one of the creditors stating that an inquiry is fraudulent and they still refuse to delete it. So I've decided to take it a step further. I have also emailed the CEO of Equifax and still nothing. Hopefully, my complaint will resolve the issues that I continue to have with Equifax. Attached you will find the order of my disputes with Equifax. I am trying to acquire credit and it makes it hard to do so with incorrect information showing on my report. I filed a dispute online on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and nothing has been resolved. The one time I called to dispute the information over the phone, the representative was very rude and hung up on me and I was not pleased. The only thing I'd like is for the issue above to be resolved and DELETED from my credit file. With all of the breaches and such within the company, you would think that they'd be a bit more responsive! Again, I appreciate your assistance is getting this issue resolved! 
The fraudulent inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2021 Amount : {$0.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, vendor XXXX XXXX refunded a single transaction return in the amount of {$420.00} to my credit card through PayPal. 

PayPal immediately processed the refund, but for some reason the refund was split into XXXX amounts : {$200.00} back to my credit card, and {$210.00} into a PayPal balance account. 

When I received my credit card statement and noted only the {$200.00} out of {$420.00} had been refunded, I called XXXX XXXX customer service and they informed me that they had submitted for the full refund back to my credit card, so they advised me to ask PayPal for clarification. 

On XX/XX/year>, I reached out to PayPal by chat message to request clarification as to why the full amount was not refunded to my credit card, and to request that it be remedied. 

I chatted with XXXX customer service agents at PayPal, and both insisted that it was the seller/merchant ( XXXX XXXX ) that had submitted the refund this way. They also repeatedly offered that I could claim the funds from the PayPal balance by either linking my bank or card account ( that they already have on file ), but it does not provide the option to refund the balance to the card already linked. The other option is to request a paper check ( for a fee ). 

On XX/XX/year>, I called XXXX XXXX customer service again, and explained PayPal 's response. They researched the detail of my refund, provided me with access to the refund documentation showing a single refund transaction to credit card. They stated that if any split occurred in the refund, that it was not initiated on their end. 

Please find attached copy of the initial refund confirmation from PayPal, itemizing the split, my chat record with PayPal, and the refund detail from XXXX XXXX showing a single refund transaction to credit card for the amount of {$420.00}.
Product: Mortgage

CitiMortgage recently sent me a document advising of my escrow shortage for the 2015 year. They advised me that if I do not pay the escrow shortage, that my monthly payment would increase from {$1100.00} to {$1200.00}. They advised that I could pay the escrow shortage, and that if I did, my monthly payment would be adjusted from {$1200.00} to {$1200.00}. 

I do not want my payment increasing above {$1100.00}. So I sent a payment of {$600.00} ( escrow shortage of {$330.00} + {$270.00} to cover the increase in my escrow payment ). However, when I called in, Citi refuses to adjust my payment back to {$1100.00}, stating that they can no longer advance the escrow EVEN IF IT IS AT THE BORROWER 'S REQUEST. That is ridiculous. If I cut a check for {$5000.00} to cover my entire upcoming year 's worth of taxes, Citi should n't be charging me ANYTHING for escrow. The purpose of escrow is to ensure that irresponsible borrower 's pay their taxes. I PAY MY TAXES!!! If I choose to put money into an account IN ADVANCE to pay my taxes, my monthly escrow payment should be adjusted accordingly to reflect the advance. AND I DO NOT CARE WHAT " CFPB GUIDELINES '' ARE IN PLACE FOR THE MORTGAGE INDUSTRY 'S ESCROW POLICIES ; I HAVE THE RIGHT AS THE CUSTOMER TO ADVANCE MY ESCROW SO THAT MY MPA FOR MY MORTGAGE DOES NOT INCREASE!
Product: Debt collection

They call and say their name and ask if they are speaking with me. I state my name and then they ask my date of birth. Taken aback I ask who they are. They condescend and say they are a company and ask for my date of birth again. I ask what company and they say portfolio recovery associates. I had a conversation with them at my old phone number of XXXX many years ago and when pressed they say it concerns a pay day loan from over XXXX years ago. How do they know that I changed phone numbers? And also I believe I am all paid to those lenders the last being XXXX XXXX. In prior conversation they laugh at me and say my pay check can be fleeced. Can you please help? They also call my elderly parents and former employer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 around XXXXXXXX XXXX  CST I got an e-mail from XXXX notifying me of a new account. I logged into my XXXX account and noticed there was a new account opened with Affirm. I did not open an account with Affirm nor did I authorize anyone to do so. I called Affirm at XXXX and reported the fraudulent account. I was told by an Affirm representative that there were XXXX loans opened under Affirm as follows : XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$320.00}, XX/XX/23 XXXX {$410.00}, XX/XX/23 XXXX {$590.00}. In addition, there is a new address on my credit report that I do not recognize : XXXX XXXX XXXX, TX XXXX. Affirm could not tell me if any of the items purchased were sent to above address as my case is under investigation which can take up to 30 days. They were able to tell me of the purchases include a baby mattress, bookshelf, and a white board. No additional information given. I have filed a police report with my county.
Product: Mortgage

WE HAVE SUBMITTED APPLICATION FOR MORTGAGE ASSISTANCE AND SUBMITTED EVERY DOCUMENT THAT IS REQUESTED FROM US HOWEVER WE CONTINUOUSLY GET REQUEST FOR PAY STUBS XXXX IS XXXX XXXX XXXX XXXX HE GETS DIRECT DEPOSIT OF HIS XXXX XXXX   INCOME WE HAVE WRITTEN A LETTER OF EXPLANATION AND PROVIDED A PROFIT AND LOSS STILL GET ASKED FOR PAY STUBS. THERE IS NO PAY STUBS I FEEL AVY EXTENSION # XXXX DOES NOT KNOW WHAT SHE IS LOOKING AT AND WOULD LIKE MY FILE TO BE REVIEWED BY ANOTHER PROCESSOR.
Product: Debt collection

XXXX XXXX from XXXX TX is currently suing me in XXXX XXXX XXXX Florida. 

They claim that on XX/XX/2019 that I took out a loan to cover the purchase of appliances and other items in the attached document XXXX XXXX with a loan repayment in the amount of XXXX. 

The delivery address on the bill shows XXXX XXXX XXXX, XXXX TX XXXX. 

I do own property in XXXX, TX XXXX about XXXX miles south on XXXX. I have not been back to Texas since my XXXX 's passing in 2019. 

I enclosed a copy of my XXXX bill showing that I made purchases the day before in XXXX XXXX Florida. I pay my XXXX XXXX in XXXX every month with a credit line of over {$37000.00}. 

On the XXXX I would take a cruise out of XXXX XXXX, FL. 

I have also attached my XXXX XXXX court hearing
Product: Mortgage

Apparently, according to XXXX XXXX, cashcall mortgage has sold my mortgage to XXXX XXXX. However I have still not received any notification of this fact from cashcall mortgage. It is not clear if I should send my payment to the new company who seems legit and has apparently purchased the mortgage legitimately because I can get no response and no answers from the current servicer despite repeated phone calls and emails.
Product: Credit reporting

No problems accessing XXXX or XXXX annual credit reports through XXXX. However for the last 3 years I have been unable to access my report from Experian. Each time I get the message " A condition exists that prevents Experian from being able to accept your request at this time. '' Searching online, I see many others have the same problem.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Equifax. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose.

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Equifax has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements.

I have taken the following actions : Submitted a formal dispute to Equifax, demanding removal of multiple unauthorized inquiries.

Provided supporting documentation, including proof of identity and address.

Requested that Equifax provide documented evidence of permissible purpose from the entities that conducted the credit inquiries.

Warned Equifax that failure to comply would result in a CFPB complaint.

However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Equifax accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing.

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i have a collection agent trying to collect on some thing i no nothing about. i asked the the original creditor 4 years ago for proof they refused to send me anything.now i got a collector doing the same thing. i sent them a letter of debt validation and they wont comply i have disputed with the credit bureau 's but you might as well bang you head on the wall
Product: Debt collection

A company has called my telephone number every day for over a year using different telephone numbers and does not leave a message and hangs up when I answer. The latest call was received today ( XX/XX/XXXX at XXXXXXXX XXXX from telephone number XXXX ). Previous calls were received from other telephone numbers include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. An online search indicate the telephone calls are from Midland Credit Management. The search also revealed they are harassing other callers as well. See search results below : XXXX / XXXX XXXX / XXXX avatar XXXX XXXX XX/XX/XXXX It's another ( bleeping ) scammer, who's asking all sorts of real personal questions ( about your wife 's name, about your address, etc ). Ignore this call! 
Reply! 
XXXX  XXXX XXXX XXXX XX/XX/XXXX Don't know. No message. Other reviewer says scammer. Probably. 
Caller :?? 
Reply! 
XXXX / XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX This number keeps calling me no voicemail they dont Identify themselves when I answer and keep asking for someone else. 
Reply! 
XXXX / XXXX XXXX / XXXX Midland Credit Management Inc | Complaints | XXXX XXXX XXXX XXXX. 
View customer complaints of Midland Credit Management Inc, XXXX helps resolve disputes with the services or produ... 



XX/XX/XXXX Complaint Type : Billing/Collection Issues Status : ResolvedMore info Midland Credit has called me repeatedly over the last month from multiple phone numbers. I looked them up online and found that they are a debt collection agency. I don't have any debt, so I have not talked to them. I believe this is a scam. 

XXXX / XXXX XXXX / XXXX SICK OF SCAMMERS XXXX XX/XX/XXXX Indians have called for several days from this number as well as a few other numbers stating to call mcm ( whatever that is ). 
Caller : MCM Reply! 
XXXX - who calls me from XXXX? 

XXXX - who calls me from XXXX? 


Scams XXXX XX/XX/XXXX | 2 replies Scammed called for money didn't say what it was about Caller : Scams Call type : Scam suspicion Reply! 
XXXX XXXX XX/XX/XXXX Got a phone call from this number. The caller left no message.
Product: Debt collection

I have my debt accounts enrolled with XXXX XXXX XXXX XXXX who represent my debts. 
I have an old account with XXXX XXXX who's debt was bought out by XXXX XXXX XXXX XXXX XXXX ). They are well aware not to contact nor any associates or family members or at workplace. They did all of them 3x this past week. 4 family members were contacted. My work was contacted. I called them on XXXX to tell them to stop.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  subscription ended at end of XXXX, i have proved proof sent to Sofi bank. They have lied and misled me for 2 weeks. I have to pick up my daughter in another state, i am in a XXXX XXXX  and need my funds to get her. Sofi has lied and misled me and is going to cause my to, lose her. i need my credit now, they need to credit me and chargeback the merchant now.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE SOME ITEMS ON MY REPORT THAT DONT BELONG TO ME! IN THE PROCESS OF REMOVING ALL THESE ITMES. NOTICE THESE ITEMS IN THE BEGINNING OF XXXX!
Product: Credit reporting

I have disputed this item several times. A tax lien was placed on my file in XX/XX/XXXX. It was not supposed to even happen as the filing was inaccurate. I paid the money that the state said I owed to avoid this issue. Despite paying the {$1500.00}, a " lien '' was attached. I immediately, when I found out, addressed this issue. The case is settled, closed and moot. Experian and XXXX XXXX have corrected the issue. Equifax did not. I was denied a student load because of this and disputed the information again in XX/XX/XXXX/XX/XX/XXXX so that I could obtain federal student loans. I assumed it was taken care of as I got the loan. I applied for a XXXX XXXX and found this on my file still. I called the pronothary 's office and they CONFIRMED that they do not send information to the credit reporting agencies. I spoke with several agents at Equifax who provided me with canned responses. XXXX said that the dispute had been verified by the pronothary 's office and I advised her that this is simply not true. She then revealed that a third party trolls for the information. I advised them that the information that they placed on my file is in accurate and has caused a ton of hardship. Same response - nothing. I am caught between a rock and a hard place and XXXX office tells me that it is a credit bureau issue and the credit bureau tells me that they are reporting accurate information. I have documentation that the lien is settled and in error and this has been sent several times to Equifax for correction to no avail. I have been given incorrect, inaccurate and downright false informatoin by Equifax employees and I would like this investigated.
Product: Debt collection

EOS CCA called from XXXX. Asking for me to confirm its me I asked who it was and the agent gave me his name and then, he asked me to confirm my address which I responded by asking what was the reason for this call and he said a personal business matter. At which point I felt they were not identifying their selves appropriately and the purpose of their call and I then looked them up online and found out its a debt collection company but by law arent they required to tell me up front its an attempt to collect a debt. I also had not received any written communication about this matter.
Product: Debt collection

Admin Recovery contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, Admin Recovery, anyway. 

I spoke to a Admin Recovery employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. 

I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to XXXX XXXX and stop calling me. This information was false because they called me several times on XXXX XXXX. 

I am requesting for the CFPB to do their job and help me resolve this issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX XXXX : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX : {$1600.00} XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions
Product: Debt collection

I have been contacted by XXXX  XXXX  collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked XXXX  XXXX  collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX  XXXX   XXXX  as well as the FCC and FTC.Today i received a notification that Portfolio Recovery has reported a negative account from XXXX  XXXX  for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once Portfolio Recovery purchased the account from capital one, they voided any payment agreement in place as XXXX  XXXX has now been paid in full. I do not have a card account with portfolio recovery and they should not be contacting me to collect any debt that i do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Kia Motor Financial account. Account # XXXX, had violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.