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

Equifax submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but Equifax reports the last payment as XX/XX/XXXX. Additionally, Equifax continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and Equifax perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
Product: Credit card or prepaid card

Chase issued a credit card in my name and under my social security number to XXXX XXXX, account number XXXXXXXX XXXX XXXXXXXX XXXX, without my knowledge. The card was given to others who apparently made purchases with the card, and one receipt was found with the signature " XXXX XXXX ''. I showed the receipt to Chase representatives several times and asked for statements for this account. 
One representative stated that this was fraud and that I should have this investigated. 
The Chase employees have refused to show me statements for the card, however, despite the fact that it was under my social security number. 

My attorney, XXXX XXXX, has had to contact the bank for statements under this card number, in my name. 
This has cost me in attorney fees, in addition to the fact that my credit score has been impacted negatively.

Chase appears to be protecting XXXX XXXX XXXX, despite that fact that he and I are both clients of the bank. 

I have submitted this information to the court in XXXX ( to the Honorable XXXX XXXX XXXX ). 

XXXX XXXX 's attorney is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Note that XXXX XXXX may have opened an account under XXXX XXXX XXXX 's name as well. 


Best regards, XXXX
Product: Credit reporting

I obtained my credit report and discovered multiple errors. I send a letter to TransUnion stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017 and it was signed for on XX/XX/2017. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for a few days later, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and was yet again met with the same response. I called Transunion and asked to speak to a supervisor to dispute the matter. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I want all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Transunion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account 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 XXXX  's recent administrative proceeding ( File No XXXX, AND File No XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

Dear Nissan Motor Finance Customer Support, I am extremely disappointed with the inefficient and unprofessional service I received from your customer support team. This was a result of an attempt to have duplicate authentication. Please see the chat transcript. During a recent chat interaction, the representative was incredibly rude and dismissive. When I requested to speak with a supervisor, I was told none were available.

I then asked for a callback, only to be informed that your system does not allow scheduling or requesting supervisor callbacks, forcing customers to repeatedly call in with no guarantee of leadership support. This lack of accountability and consideration for customer concerns is unacceptable. The representative was fully aware that I intended to escalate the issue but showed no regard for professionalism or resolution.

I expect a prompt response and a clear explanation of how Nissan plans to address these service failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I the consumer sent Transunion a letter on XX/XX/2022 demanding deletions of multiple accounts that were reported on my consumer report. I never gave any written instruction to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Transunion provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by Transunion to obtain my consumer information from XXXX XXXX and various sources violates15 USC 1692e ( 10 ). They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on a consumer report for me. I have tried multiple times to get Transunion to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Transunion on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a letter to remove this. I suffered from the obscene and profane language on my consumer report of alleged debts, late payments and collections. I also suffer from anxiety and XXXX because I'm unable to obtain insurance or housing. My family and I suffered from abuse from Transunion. By Transunion obtaining my consumer information without any written consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). 
Transunion knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to15 USC 1681q. My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without my consent so they can service their customers such as creditors, employers, insurance companies, landlord 's etc. This violates15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Verification of Disputed Charge-Off Account To Whom It May Concern : I am writing to formally file a complaint against [ EQUIFAX ] for their blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I disputed a charge-off account reported on my credit file : [ XXXX  XXXX ) on [ XX/XX/year> ], providing detailed information challenging the accuracy and legitimacy of this reporting. However, the credit reporting agency, without providing any meaningful investigation or legitimate evidence, has repeatedly " verified '' the disputed account as accurate. This " verification '' was neither reasonable nor in compliance with the statutory obligations imposed by 15 U.S.C. 1681i. Specifically, the credit reporting agency has failed to fulfill its duty to : * Conduct a reasonable reinvestigation of my dispute. * Provide a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I have made multiple requests for the method of verification, yet I have not received any meaningful or substantive response. Their failure to provide this crucial information demonstrates either a lack of compliance with federal law or the inability to confirm the accuracy of the reported information. This unlawful behavior has caused me significant XXXX XXXX XXXX XXXX and unnecessary damage to my creditworthiness. I am demanding that the CFPB take swift and aggressive action to address the following issues : 1. Compel [ EQUIFAX ] to provide a full description of the method of verification used to " verify '' this account, as required by law. 2. Ensure that [ EQUIFAX ] conducts a thorough and reasonable reinvestigation of my dispute. 3. Hold [ EQUIFAX ] accountable for their violations of the FCRA by imposing appropriate penalties. 4. Require the removal of the inaccurate charge-off account if verification can not be substantiated. The FCRA exists to protect consumers from negligent and reckless reporting practices, and [ EQUIFAX actions are in direct contradiction to this purpose. I trust that the CFPB will take this matter seriously and hold them accountable for their violations. Please confirm receipt of this complaint and inform me of the next steps in your investigation. I am prepared to provide additional documentation and records to support my claims. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent hard inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reached out to Consumer Adjustment about a debt that they claim that I owe which doesn't belong to me. I do not have a contract with this company and I reached out to them for evidence for a contract that I supposedly have with them in which they have not reached back out to me.
Product: Debt collection

There was a debt that showed up on my credit report that was not mine from 2014. It was from XXXX XXXX. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a XXXX debt but was inherited when XXXX bought XXXX XXXX credit account.
Product: Credit reporting or other personal consumer reports

This is the fourth time that I have been the victim of identity theft. I have tried calling multiple times to report fraudulent inquiries on my credit reports with all three agencies ( Experian, Equifax and TransUnion ). I have either been hung up on or they refused to remove the fraudulent inquiries that I did not authorize.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX. I am writing in regards to a loan ( # XXXX ) that has been placed on my credit report. I did not purchase the vehicle associated with this loan, nor did I sign/cosign for anyone else to obtain this vehicle. I would like all things concerning this loan removed from my credit ASAP and my name removed from the loan with USAA.
Product: Money transfer, virtual currency, or money service

Monday, XX/XX/XXXX, a company named XXXX XXXX XXXX XXXX, took out {$80.00} from my cash app account. I immediately alerted Cash App but as expected they could care less about consumers and cater to the fraud/ scammers and thieves. After searching this XXXX XXXX business I come across their information on the XXXX ( not accredited ) and I was able to get a contact email. 

I emailed asking them to refund the money they fraudulently stole from me immediately. The customer service person responded and provided me with some information as to an insurance policy. They were trying to use deception by accessing my personal insurance as well as manipulate the documents. It was so obvious I really did not have to run the documents provided to see the original documents but I did anyways : my hopes were to prove to cash app that this company is a scammer and has access to my identity. Moreover, forging my signature on documents as if I were to coward down and allow them to get away with it : However, cash app didnt respond and after I called XXXX XXXX  out on, a forged document, identity theft and stealing money from my account, the responses I got was, we understand your confusion and to make it right we will send you a check via mail with your address we have on file Ive been dealing with identity theft, fraud and just about everything that comes with the storm since XXXX. Non stop, letters, denials, attorneys, trauma and the list goes on. I really just want to be left alone so I may finally heal and find/ build my own personal identity for once. 

It never ends, and I am wondering is this living even worth it anymore? Creditors dont believe me, reporting agencies could care less, third party reporting companies are just as worthless with so much information that is not me. No one listens.
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Date Opened : XXXX/XXXX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Payday loan, title loan, personal loan, or advance loan

I Made an initial complaint against OPORTUNPROG more specifically how they were violating my rights as a consumer. I used violation codes directly from the CFPB to show them how they were violation me. I asked OPORTUNPROG to validate this debt belonged to me and they stated their company, Oportun, is not a debt collector as defined in the FDCPA and is, therefore, not required to send debt validation notices, we do voluntarily validate debt when requested by members. They also stated that, This loan was charged off in XX/XX/XXXX. If that is accurate, I would like to know why OPORTUNPROG is still attempting to collect this debt on me? Or reporting this to the three main credit BUREAUS as a collections accounts that I still owe on? Once a loan is charged of by a company which in the response to my original complaint, XXXX XXXX Customer Experience Sr. Director Oportun stated, they can NO LONGER attempt to collect this debt. This is illegal. Charging off this debt means this it was written off on their taxes and it has become taxable income to me, this company OPORTUNPROG can not and should not still be attempting to collect this debt on me. Nor should they be attempting to sale this debt to other debt collects so they can attempt to collect this debt on me. They are committing tax fraud by attempting to collect on a debt they wrote off on their taxes. XXXX XXXX Customer Experience Sr. Director Oportun also stated his records show they received government-issued ID and paystubs on XXXX XXXX. I would like to make this statement once again, since I have already called this company and made this statement. I was XXXX on XX/XX/XXXX of XXXX, there Is no way I applied for this loan and provided any type of documentation to get this loan. Nor did I sign any promissory notes or contracts! I Am attaching documentation to show I was in jail During this time this loan was quote on quote signed. I don't know who applied for this loan but it was NOT ME! My next steps will be to report OPORTUNPROG to their state attorney generals office for creating loan accounts without fully verifying the identifications on these loans.After, I will be reporting this attempt to collect a debt on me that was already charged off on to the IRS!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX XXXX Balance : {$53.00} ; XXXX XXXX Balance : {$76.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them CREDIT MANAGEMENT CNTRL Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.