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

Equifax deleted the wrong Fraud ( XXXX ) account. They deleted a non fraud account instead of the fraudulant one but in their explanation and corresponding message to my original CFPB complaint. They said they know I disputed it the account and took all proper protocol but yet they deleted the wrong account. The account that should of been deleted was ending in " XXXX ''. They deleted a perectly fine active account instead. 

The fraud account is still on there and along with that my account dropped another XXXX XXXX because of that mistake. The original complaint id is below. Please fix as soon as possible please. This has been going on for over 2 months now. 

CFPB Complaint Number XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE & HAS BEEN DELETED.
Product: Debt collection

There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* XXXX   XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX   Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX  XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$4400.00} Closed XXXX   XXXX  Reported : XX/XX/XXXX + {$730.00} Closed XXXX  XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX   Reported :XX/XX/XXXX + {$3300.00} Needs Attention XXXX/XXXX  Reported :XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported :XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported :XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. XXXX XXXX XXXX   SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2022, TD Retail Card Services made a hard inquiry into my credit using XXXX On Monday, XX/XX/2022, I left an inquiry regarding this activity on their website. 

A hard inquiry requires my consent. This hard inquiry was done without my knowledge or consent. 

A hard inquiry is triggered when one applies for credit. I have not applied for credit in the last five years.
Product: Checking or savings account

I used my debit card with a chip reader to purchase food from a food truck. the foods from the both food truck services caused me to get food poisoning ; the merchants of both food truck services left no way to contact them via a phone number. they claimed they do business with XXXX. 
I submitted a claim for both purchases through Wells Fargo Claims center through their desktop website saying the same thing ; that the food made me sick, and i immeadtely requested a refund for both services. 
Wells Fargo alleges that it takes them 10 FULL BUSINESS days to resolve said claim. This is unacceptable. 

Wells Fargo has also made numerous threats to close my account, in which i find offensive since i've been a member with them for YEARS.
Product: Debt collection

I AM CURRENTLY IN FORECLOSURE WITH " XXXX  '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. XXXX  AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT XXXX XXXX XXXX IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED XXXX  TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " XXXX '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH COUNTRYWIDE HOME LOANS, SWITCHING TO BANK OF AMERICA AND THEN ALLEDGELY TO XXXX XXXX IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH XXXX AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.
Product: Debt collection

I have repeatedly asked Vance and Huffman, XXXX, XXXX and XXXX to validate this collection account. I have received any validation at all. Vance and Huffman is collecting for XXXX XXXX and I dont have any idea who XXXX XXXX XXXX other than another collection company. If this is the case who are these collection companies collecting for? I need to know what service I received from XXXX  XXXX and Vance and Huffman. I also, need proof such as signed agreements that I agreed to services from them. Is it legal for a third party company to collect for a third party company?
Product: Credit reporting, credit repair services, or other personal consumer reports

Where is my certificate XXXX, XXXX XXXX, Equifax? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS
Product: Bank account or service

I just noticed that i get charged an interest rate charge for making a payment transfer from my checking account into my credit card account ( online, both accounts are with BOA ). 
For the past 8 months or so ive been paying a regular {$150.00} a month into my credit card. Thinking everything is ok i never really checked unit today, turns out the actual value of my payments were only {$50.00} because the other {$100.00} have been charged to me as a transfer fee. If thats not stealing, I dont know what is. 
What is the point then of having multiple accounts with this bank if you CAN NOT use them with each other? BOA always makes that argument, saying it is good and beneficial to have multiple accounts with them. This proves that this is a lie of theirs and that they are crooked thieves. I might as well have an account in a different bank and pay from that bank into my credit card, that way their transaction fee is justified. 
Most ridiculous thing i have ever heard, I wish i was not banking here anymore. 

Yes some might argue that I should have read the policy or that i should have been checking from the beginning, its not the banks fault. I would say that is why the USA is the way it is, you keep supporting crookedness. 
I did what almost all Americans do, I did not read it true and did not check, but that does not make it right. BOA even makes it so clever and easy for you to be charged this fee, online they 've placed a button that says make payment, once you click it easy lets you select what accounts you want to pay with, and I always choose checking, well this grants you this so called interest transfer fee. 
If was told about this fee when applying for it, because there was an agent there whom helped me and answered all my questions, I would have never opened the CC account. 
Like i said Most ridiculous thing i have ever heard, I wish i was not banking here anymore. I will pay off as quick as I can and get out of this bank. 
Thank you BOA, you 've finally proved to me you are the worst and to think i ve been with you for over 11yrs.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked XXXX XXXX XXXX to conduct an independent investigation for inaccuracy in reference to : XXXX XXXX XXXX XXXX XXXX 

The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. XXXX informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion.

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Vehicle loan or lease

On XX/XX/XXXX, at XXXXXXXX XXXX, Westlake Financial contracted a tow truck company to enter my private property in an attempt to repossess my vehicle. This action was captured on camera, providing clear evidence of this illegal entry. I have had a cease and desist order in place since XX/XX/XXXX, explicitly outlining federal laws under **15 U.S.C . 1692f**, which prohibits unfair practices, and specifically prohibiting any third-party attempts to repossess my vehicle. 

Westlake Financial has blatantly violated this cease and desist order by initiating this repossession attempt. Additionally, despite my clear and repeated requests, Westlake Financial has refused to engage in arbitration, dismissing my claims as frivolous. I have provided an updated cease and desist notice via email and sent certified mail, which is expected to arrive at your office by XX/XX/XXXX. This demonstrates my continued good faith effort to resolve this matter through legal and appropriate channels. 

I am a single mother of XXXX children and have been dealing with this ongoing case for XXXX years. This illegal attempt to repossess my vehicle has caused me significant distress and fear for my safety, as I believe Westlake Financial is unlawfully stalking my vehicle. 

- **Cease and Desist Violation** : By disregarding the cease and desist order, Westlake Financial has violated my rights, as protected under federal law. 

I demand that Westlake Financial immediately cease all unlawful activities, including any further attempts to repossess my vehicle, and comply with all legal requirements, including the proper handling of arbitration. 

In light of this situation, I will be filing a Temporary Restraining Order ( TRO ) against Westlake Financial to prevent any further illegal attempts to repossess my vehicle. Furthermore, I have taken all necessary steps to protect my legal rights, including submitting a 1099-A, 1099-C, UCC1, W-9, and 1040 to the IRS. Westlake Financial has yet to acknowledge or validate these submissions, further evidencing their disregard for legal procedures. 

Notably, Westlake Financial closed my car note account without issuing a 1099-C, in violation of federal law. My recent filing with XXXX, for which I have paid all required fees, underscores my commitment to resolving this matter legally, despite Westlake Financials continued attempts to circumvent the legal process. 

In addition to violating the cease and desist order, Westlake Financial has potentially committed illegal possession under **15 U.S.C. 1692f ( 6 ) **, which prohibits taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession of the property claimed as collateral through an enforceable security interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).XXXXthe inquiries are XXXX XXXX XXXX ( on the datesXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ),  XXXX XXXXXXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

If you look at my first complaint that was closed and nothing resolved on my XXXX XXXX report its saying that it have XXXX $ in debt with Chime but I dont owe them a XXXX XXXX it was my money they would hold off my account and they would automatically pay my chime credit card bill well something happened and they reported to my XXXX XXXXXXXX report that Im allmost XXXX $ in debt with chime and it lowered my credit allmost XXXX points and now its still on my report I want it off there Ive been battling this for months they have ruined my credit and I owe them nothing I can XXXX  a screen shot of my XXXX XXXX XXXX XXXX report where that XXXX XXXX of debt to chime is on there I have all the proof I want it fixed they are completely at fault it needs to be fixed the next step is a law suit and it shouldnt have to come to that but they are fault I just want a real person from chime to see my screen shot of my XXXX XXXX report and they will see that they have made a big mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I noticed credit inquiries that I did not authorize made by the following companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Being  that I d id not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b ( c )   and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Hello XXXX recently changed its name to XXXX  XXXX XXXX and reported my loans again to Equifax so now I owe double the amount that I currently owe. As a result, my credit score went down by 30 points.

I tried calling them, but it'd take so long for anyone to even answer. I would like to get this fixed as soon as possible by them. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2006 XXXX $ XXXX  XX/XX/2006 XXXX  $ School closed down, paid in full, still being reported as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputes to Equifax and they lied and said they verified the 3 bankruptcies but they did not. I also provided them with court documents that prove the 3 bankruptcies were falsely filed in my name without my consent. The court documents prove I sued the individual and won. The court determined I did not ever file bankruptcy. I tis obvious that Equifax did not review the documents I sent. I have proof they received my letter because I sent it certified mail. These illegal bankruptcies are preventing me from obtaining a place to live. I have been trying to get an aprtment. I have shown the court documents to apartment managers but they say there is nothing they can do because they base their decision of approval on my credit report. Equifax has the responsibility to properly verify my disputes and they filled to do so. Below are the bankruptcy information Equifax is reporting. 
1. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXXXXXX Bankruptcy 2. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXX Bankruptcy 3. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a follow up notifying the Experian and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Again, Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this items in my identity theft report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : EXPERIAN : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Student loan

Hello, Account # : XXXX A payment will be scheduled to be taken out on XX/XX/2021 which will bring the account current. This is a forewarning that if AES does not reflect the payment being taken out on that date and a false report to the Credit Bureaus is received, AES/PHEAA will face consequences. In addition to the level of fraudulent behavior that has been occurring from charging Interest incorrectly, to recording borrowers over the phone without their express permission, AES/PHEAA has also in the past incorrectly reported balances and statuses of the account to the Credit Bureaus, which I intend to defend the legitimacy of with irrefutable proof. 

AES/PHEAA has also intentionally delayed Loan Forgiveness in certain situations for ulterior motives to gain profits. 

The following activity has been made due to these unfair business practices. 
-The District Attorney 's office has been contacted. 
-I 've made contact with New York and Massachusetts regarding the violations which were alleged, and ongoing documentation is being gathered to build a potential lawsuit -A payment in the amount of {$380.00} will be made/scheduled on XX/XX/2021. If at any time after XX/XX/2021, AES/PHEAA decides to report that the account is 30+ days late on that date, this will be additional behavior which will be added to the list of incriminating points within the complaint, and XXXX XXXX XXXX XXXX and the CFPB will be contacted immediately reporting the false allegation which will force auditors to review your Systems. 
-My attorneys will be contacting each company individually by phone prior to filing the complaint with the court. 

AES/PHEAA XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AES/PHEAA XXXX XXXX XXXX XXXXXXXX