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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX
Product: Debt collection

They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
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 Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any ot
her 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: Checking or savings account

I reported 5 unauthorized transactions that took place on XX/XX/XXXX and XX/XX/XXXX XXXX  for a {$30.00} unauthorized charge another charge for {$10.00} from the XXXX. On XX/XX/XXXX unauthorized charges from XXXX for {$19.00} and XXXX for {$7.00} and {$5.00}. The total amount of 5 unauthorized charges were {$72.00} The dispute reference # XXXX for 1st Bank XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX. I was informed that the dispute would be resolved and card was cancelled. The representative ( XXXX XXXX ) appeared to be reluctant in resolving the matter. Her response was that unauthorized charges were impossible? She then stated that the matter would be resolved and that charges would be reversed and NSF fees would be reversed as well. I feel violated from unauthorized charges from the perpetrators and 1st bank. To this day nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of pre-approved credit karma credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, XXXX XXXX XXXXXXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Product: Credit card

The credit card issuer is not properly investigating the disputed transaction between the merchant and credit card holder. All the support provided by the credit card holder is being ignored. The credit card holder contacted the credit card issuer multiple times and requested to discuss the case with Dispute Resolution Department directly. All the requests were ignored, the case was cancelled and reopened several times since XXXX 2015. Please assist to get hold of Dispute Resolution Department representative of the credit card issuer ( not just the general customer service representative ) so that I can explain the situation to the case investigator and discuss the deficiency in their previous reviews. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just learned that LexisNexis is making false reports, and has now refused to provide me with my report for the past 7 months, I was told by my Insurance Company that they got a report from them and it is all false. 

It is now causing me damage and harm ... ... ....
Product: Credit card or prepaid card

18 USC 8 describes obligations of the U.S. Coupons are on the list as obligations. Senate Document No 43 73rd Congress pledges to pay FRN in exchange for government obligations. UCC 3-104 also describes coupons as legal tender. I submitted coupons as money orders payable to Discover who refused payment. According to UCC 3-603 failure to accept payment means discharge of debt. Even though they acknowledge the law regarding credit balances on their statement under credit balances where it states any positive balance is money owed to the customer, ( 15 USC 1666 D ) they closed my account because they claimed I owed them money.
Product: Money transfer, virtual currency, or money service

Around XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX with the domain XXXX which involved me making deposits for a total amount of XXXX USD from my SDCCU account to a fraudulent investment firm. 
Reporting this to SDCCU on XX/XX/XXXX. On XX/XX/XXXX, SDCCU wrote in a message : On the wire form you completed and signed, you are listed as a beneficiary of the funds ... To date there have been no reports of fraud, or disputes filed by you on the account for any transaction ... ''
Product: Credit card or prepaid card

I check my credit report monthly, and back in XX/XX/XXXX, I noticed PayPal had pulled my credit report ( hard inquiry ).

I did not authorize PayPal to pull my credit. I did not apply for anything. Also, I had a Credit Fraud Alert active, so they pulled without verifying any information with me prior as well. 
I have reached out on ( 3 ) different occasions and was told it would be removed and to allow for 30 days. Every time, the 30 days comes and go, and I have to reach out again and I'm given the same response. The credit analyst also tells me they are unavailable to provide a confirmation number or anything to show something is being done. It is now XX/XX/XXXX, and it is still showing on my report.
Product: Debt collection

Credit debt was registered on my personal data without my knowledge. I never applied or used this credit money Thank you for you help, Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three credit bureaus ( XXXX, XXXX, experian ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. experian deletes all but one of the XXXX listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.
Product: Debt collection

Due to the XXXX XXXX XXXX XXXX, I was made sole account holder of a Care Credit account per a letter dated XX/XX/XXXX and sent to me by XXXX Credit Bureau Services. The following is a timeline of my communications with Synchrony concerning the debt settlement of this account. 
Context : Ex-spouse and I opened this account in XXXX. Ex-spouse was assigned this debt in our divorce decree dated XX/XX/XXXX. Ex-spouse was ordered to pay off the balance and close the account. Ex-spouse closed the account, but did not fully pay off the balance. Care Credit does not recognize our divorce decree and I became the account holder in the above referenced letter. The balance was {$4900.00} at the start of the issue. 
XXXX : XXXX XXXX from Synchrony Credit Bureau Services naming me account holder. Did not receive until XX/XX/XXXX because it was mailed to Executor of Ex-Spouses estate. 
XXXX Called Synchrony/Care Credit and spoke with XXXX. She transferred me to XXXX in the Settlement Department. Settled from {$4900.00} to {$1900.00} to be paid off in XXXX installments, or sooner : XXXX. XXXX $ XXXX Paid XX/XX/XXXX XXXX. XXXX $ XXXX Paid XX/XX/XXXX XXXX. XXXX $ XXXX Paid XX/XX/XXXX I paid the XXXX payment of {$650.00} that day. This left {$1300.00}. *See attached PDF for agreement document. 
XXXX Called and spoke with XXXX- I satisfied the settlement amount by paying the remainder of the settlement at {$1300.00}. Confirmation # XXXX. XXXX told me I would receive a payoff letter. 
XXXX Called and spoke with XXXX XXXX then XXXX XXXX My account was not corrected to show the settlement was in action or that I had paid off the account. They spoke with agents who were supposed to correct my account. 
XXXX Called to ask about my payoff letter and to cancel my automatic withdrawal. I spoke with XXXX who assured me that there would be no automatic withdrawal on XX/XX/XXXX since my account was paid in full. She had to read my customer service account notes to see that my account was paid as it was still showing I had a balance. 
XXXX An incorrect automated payment of {$650.00} was posted out of my XXXX bank account ending in XXXX. 
XXXX Called and spoke with XXXX who deleted the remaining automatic withdrawal date of XX/XX/XXXX from my schedule and connected me with XXXX XXXX from customer service, who was able to issue me a refund check. My payoff letter should take a billing cycle. 
XXXX XXXXt did issuXXXX a refund via check ( # XXXX ), which I voided since I disputed the automatic withdrawal and received the credit from my bank. 
XXXX Called to ask about my payoff letter. Spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX told me I still had a balance of {$110.00} for XXXX billing cycle because my account was not updated to show I had satisfied the settlement. I corrected the information verbally. XXXX was able to file a report for them to review my account as he admitted they were confused. I was assured I should be getting a payoff letter soon and I can disregard statements. 
XXXX I still haven't received communications confirming the account is settled, but I have received a statement saying I owe {$3900.00}.
Product: Debt collection

Fairway Capital Recovery called my personal phone number about collecting debts on behalf of a sorority that I quit years ago after I had already left the organization. They said that if I didn't pay the debts that my credit score would be damaged and asked for my email address and home address to send more collections to. They refused to tell me when my credit would be affected and give me verification of my debts.
Product: Debt collection

There was a debt that was owed through a apartment complex for XXXX dollars that XXXX had collected from me last year and showed it as a paid collection on my credit report. Now they have put another collection for the same amount on my credit report under a different account number. This has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

The Account XXXX is reporting INACCURATE information across the 3 major Credit Bureas I have asked the orginal Creditor for proof to verify the account as accurate please see attatchment for proof of Innacurate reporting Please remove account I have no knowledge of this Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting A ct, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Product: Debt collection

I have been in a dispute with Midland Credit Management, a debt collector, regarding a debt that I believe is inaccurately attributed to me. Despite my numerous attempts to resolve this issue, Midland Credit Management has failed to provide any substantial evidence to validate the debt. This lack of response has left me in a state of uncertainty and frustration. 

Furthermore, its important to note that I have never conducted any business with Midland Credit Management, nor have I applied my signature to any document associated with them. Despite this, the debt, which was previously removed from my record, has been reinserted multiple times without any justification or prior notice. 

This recurring issue not only affects my credit score but also raises questions about Midland Credit Managements practices and their adherence to the Fair Debt Collection Practices Act. This experience has been stressful and disheartening, as it seems my efforts to rectify the situation are being disregarded.
Product: Credit card

On XXXX XXXX, 2015 I ordered a Washer, Dryer and accessories from BestBuy store in XXXX, Ohio XXXX. I was delivered on XXXX XXXX. The washer was defective and was returned to BestBuy on XXXX XXXX. Return authorization number XXXX. Since that date BestBuy/Citi Bank continue to refuse to credit my account pending their internal processing which they state will take 45 days!! Within 3 weeks, I ordered, received and returned their defective product. Now BestBuy states it will take another 6 weeks to research and resolve.
Product: Mortgage

On XX/XX/2020 I locked in a rate with Better mortgage with a given set of terms. Once my hard credit was pulled, {$550.00} collected from me, the origination fee went up from XXXX to {$3000.00}. No explanation was provided and my e-mail and call was ignored after I tried to get an answer. I'm still actively trying to cancel my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX/XXXX/17 I spoke with a representative regarding the deletion of unauthorized inquiries on my Equifax report. The XXXX inquiries are from XXXX XXXX Bank and XXXX Bank. The XXXX are listed twice from each creditor that I did not authorized. The representative told me I had to call the creditor to send an electronic verification to equifax. So I called to speak with the representative and they told me that equifax should be able to delete them. I called back to speak with a representative of equifax and she told me that she could not delete the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit reports due to documented instances of data breaches that compromised my personal information. Specifically, my information was compromised in the following incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a result of these breaches, my personal information, including but not limited to my Social Security number, credit card details, and other sensitive data, has been exposed to unauthorized parties. This has led to fraudulent activities, including unauthorized credit inquiries on my credit reports, which were conducted without my knowledge or consent. 

I have attached documentation from XXXX and XXXX XXXX XXXX  confirming that my data was compromised in these breaches. I believe these unauthorized inquiries have had a negative impact on my credit score, and they should be promptly removed from my credit reports. 

I have contacted the credit bureaus directly regarding this matter, but I have not received a satisfactory resolution. As such, I am escalating this issue to the Consumer Financial Protection Bureau for further investigation and assistance. 

The unauthorized inquiries that I request to be removed are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documentation to proceed with the removal of these unauthorized inquiries. 

Thank you for your assistance. 


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

On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with Credit Acceptance in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with Credit Acceptance and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.
Product: Credit card

I have over {$9000.00} balance, currwnt interest rate is XXXX XXXX. Paying {$180.00} interest monthly. Monthly payment is {$200.00}. Impossible to get this bill paid off. I now have XXXX & have XXXX XXXX XXXX. Live on XXXX XXXX. need some help with lowering the interest rate, but Discover says they can not lower it any further. I want to pay off this bill without having to file bankruptcy, and still maintain my credit. I need help, thank-you