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

I have submitted multiple requestes written requests and even spoke with an Representative named XXXX at Experian regarding having the following inquiries removed because I didnt not authorize them and have been unsuccessful in doing so. 

XXXX. 
XXXX XXXX Dated : XXXX XXXX, XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. 
XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX 5. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 6. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX 8. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Debt collection

1. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Phone # ( XXXX ) XXXX Unlawfully, falsely submitted my annual income up higher than it was, to get credit cards and loans approved. Without any written verification, documentation nor signature by me. 
Due to this unfair.unjust act i had to file Chapter XXXX Bankruptcy Date:XX/XX/2016 Court Type : Federal District, Responsibility : Individual Debt and Discharged, Docket # XXXX. 
2. Collection /Attorney : Ability Recovery Services # XXXX XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX Placed for Collection:XX/XX/2016 Original Amount : {$4300.00}
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my report. What was the purpose of your company pulling my credit report? Please send me all info you have regarding this pull
Product: Debt collection

Upon reviewing my credit report dated [ XX/XX/year> ], I noticed the aforementioned collection account. I have never opened an account with [ XXXX XXXX ] nor have I authorized or engaged in any transactions that would result in the creation of this debt. It is clear that my personal information has been compromised and used without my consent.
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 Account Number : XXXX Account Name : 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 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX, I received a call from a lady wanting to discuss a debt. I informed the lady I do not verify information over the phone, for her to send all information via mail. She stated that she would just contact my employer and hung up. I called the number back and spoke with a person claiming to be the office manager. She would not give me the name of the company but said she was an attorneys office conducting business as collections XXXX in South Carolina. I made several calls back until the phony number ( XXXX ) was removed. I never received any information from the collection agency, but, on XX/XX/2024 I was notified by XXXX XXXX that LVNV funding had placed a negative account on my XXXX for {$750.00} with them lvnv named as original creditor with account open XXXX XXXX. I have never received any information from this company or have not done any business with their company.
Product: Mortgage

Lender : USAA-XXXX XXXX XXXX Monthly Payment : XXXX My mortgage lender has refused credit card payment on my monthly mortgage payment. XXXX XXXX  XXXX claims that I can't pay debt with debt even though I payed all my credit cards and bills every month and the only actual debt I have is my mortgage. I am filing a complaint on their refusal to take my credit card payment and forced me to use my bank account to make a payment. Banks can't denied a credit card payment from consumers, specially when my credit card allow me to make monthly mortgage payments.
Product: Credit reporting or other personal consumer reports

I have public assistance and I am entitled to my free report XXXX and can never access them
Product: Credit reporting, credit repair services, or other personal consumer reports

Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to grant me a loan. There were hard inquiries in XXXX on all 3 credit reporting agencies and there should not be any.
Product: Checking or savings account

i sent an online bill pay to XXXX XXXX XXXX for my car payment on XX/XX/XXXX. XXXX had called me and notified me that my payment did not clear. Upon investigating with XXXX and XX/XX/XXXXwhat was discovered is that the instrument XXXX received had my name on the account info section, fords info for the payee, but different bank information/ account number, different check number. XX/XX/XXXXXXXX XXXX was supposed to issue a stop payment on the online bill pay ( which is a check they mail XXXX and refund me. i contacted them multiple times on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have spoken to them more than this bus this is all i have proof of. They have not issed me a refund, sent me the paperwork they want in order to conduct an investigation, have not investigated it, have not even processed a dispute. I still have yet to get my money back and they have yet to make any action regarding this incident. 
FTC REPORT FILED No. # XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX ( the Merchant in this dispute case ) provided me 5 refunds of {$180.00} to my Chase credit card account ending XXXX. However, my Chase credit card balance only showed 4 refunds of {$140.00} after the refund was completed ; there was a {$40.00} shortage. It showed {$180.00} when pending. But after the transaction was completed, there was only {$140.00}. ( please refer to the attachment No.1 & 2 ) To solve this problem, I reached out to XXXX XXXX XXXX XXXX and got their confirmation that they've already paid me, and they also provided me the transaction ID ( shown in attachment No.3 ).

So, I opened the dispute with Chase and wished they could help investigate this missing {$40.00}. Chase issued me a {$40.00} temporary credit when they were investigating the issue ( pls refer the attachment No.4 ). After their investigation, Chase said that the Merchant had provided me the {$40.00} credit, and they needed to rebill that temp credit ( please refer the attachment No. 5 ).

But the actual thing is, my total refund is still short {$40.00}. Chase 's dispute result showed that they found XXXX had paid me {$40.00}, but this {$40.00} was another refund transaction ( please refer to attachment XXXX ). 

I don't know what to do now. I contacted the Merchant, and they confirmed that they'd paid me. Then, I contacted Chase, and Chase can only open the dispute transaction by transaction, so they can not compare the total refund I've already got with the total amount I should get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  Date of inquiry XX/XX/year>
Product: Credit card or prepaid card

I was checking my reports and a {$10000.00} charge showed up on my US Bank account. It says a credit card but I have not had a credit card with US Bank in years. Please refund as fast as you can.
Product: Student loan

I attended  XXXX  through  XX/XX/XXXX - XX/XX/XXXX .  <P/> I went to  XXXX   XXXX  to find information on what is involved in attending that school. I had already visited other " for-profit '' schools in the area including  XXXX  's  XXXX  and University  XXXX   XXXX .   While at  XXXX   XXXX , I was asked to sign some documents which they stated would only : a ) check my  credit score and b )  my eligibility to obtain federal & private loans. Despite asking about grant eligibility,  XXXX  never gave me any information or help in searching, finding, or applying for grants. I was asked to return the next day when the information requested would arrive and to my surprise, I was told that I had already accepted the loans. I was not aware that I was accepting responsibility for, or taking on, any actual loans but despite telling them I had come in looking for information they told me I had already signed to take the loans and begin enrolling into the school. At this point, under pressure from both recruiters and financial aid employees I believed the only option was to accept enrollment and the loans.   At this point, I was not aware of private student loans or how they function. This was not explained to me until I was half-way through th e 2-year progr am. In this situation, I was called into financial aid due to an issue with my funding. It was explained to me that federal student loans can only cover 90 % of my tuition and I would need to find another source of funding. I did n't have the money they were requesting me so they told me I am officially dropped out of the program and my loans are going to come due. Financial Aid then told me I  may have a longshot chance at getting funding from a bank and gave me a list of a couple of them that I can apply for. I recognized one of th e companies (  XXXX  -- a company I worked for previously but was a   XXXX   XXXX   ) so I chose that one.  XXXX  had me sign some more documents but still told me I could not attend until the extra funding came in. To recap, I was told my student loans are going to be due and that I owed  XXXX  for extra tuition plus. At this point my parent helped me by making monthly payments to  XXXX   XXXX  directly of {$200.00} for 2 months when  XXXX  called me and said that the rest of the funding is going to be covered by private student loans. I still did not receive any details about these loans until after I graduated.  <P/> Throughout my entire experience with  XXXX   XXXX  I was never explained how federal student loans work, how FAFSA works, or how private student loans work. I have no idea what I paid for or why I had to make those payments and this does n't even cover the lies I was told about wages and employment I would be eligible for post-graduation. In short, I was promised  XXXX -  XXXX   in  XXXX   XXXX  &  XXXX  work but the only jobs I could get ( and the only jobs  XXXX  would refer me to ) were entry-level,   XXXX   XXXX   jobs. I was the only person in those jobs that had a "  XXXX   XXXX  '' degree.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Regarding Equifaxs Handling of Credit Report Disputes Dear CFPB, I am writing to formally file a complaint regarding Equifaxs handling of my credit report disputes. Equifax has repeatedly labeled my legitimate disputes as " frivolous '' and employed tactics that delay the resolution of inaccuracies in my credit report. Below, I outline the details of the situation and the specific stall tactics I have encountered : Details of the Dispute 1. I submitted a dispute to Equifax regarding inaccuracies in my credit report, specifically the XXXXXXXX XXXX XXXX XXXX account being inaccurately reported as Collection/ Charge off in fact is inaccurate. The Collections Verbiage needs to be removed. The last Payment activity is Not XX/XX/XXXX, the last Payment to settle this account was XX/XX/XXXX. 


XXXX. Despite providing detailed documentation, including [ list evidence, e.g., settlement letters, payment receipts, etc. ], Equifax responded by labeling my dispute as frivolous without providing any explanation or evidence to support their claim. 


XXXX. I have attempted to resolve this issue through but Equifax continues to employ stall tactics, including : They can't locate a credit file, they need more identification, I've disputed too many times in the last 90 days and they won't be conducting any further investigations. 

Requesting repeated documentation that was already provided. 

Sending vague responses such as " verified as accurate '' without explaining their investigation process.

Failing to meet the 30-day response deadline mandated under the Fair Credit Reporting Act ( FCRA ).

Equifax 's Failure to Comply with FCRA Under the FCRA, specifically 15 U.S.C. 1681i, Equifax is required to : Conduct a reasonable investigation of disputes.

Remove or correct information that can not be verified. 

Provide clear explanations for their decisions. 


Equifax has failed to uphold these obligations, leaving inaccurate information on my credit report and harming my financial standing. 

Request for CFPB Assistance I request the CFPB investigate Equifaxs handling of my disputes and take appropriate action to ensure compliance with the FCRA. Specifically, I ask that the CFPB : 1. Require Equifax to conduct a proper investigation into my disputes.

2. Ensure that Equifax provides detailed explanations for their findings. 


XXXX. Hold Equifax accountable for any FCRA violations. 



Attached Documentation I have included copies of the following documents for your review : Original dispute letters sent to Equifax. 

Supporting evidence submitted with my disputes. 

Equifaxs responses to my disputes. 

Proof of mailing and delivery for all correspondence.
Product: Checking or savings account

I had a previous checking account that was the victim of fraud. My did not return all of the fraudulent charges and did let me immediately close the account. The account had a negative balance due to fraudulent charges. I opened a new account with this bank now known as Truist. A deposit incorrectly went into the old account instead of the new account as I had directed. The deposit was for {$530.00} and was totally consumed by the fraudulent charges. The bank refused to correct this. Evan after the {$530.00} the old account remained {$650.00} negative. The account ending in XXXX was finally closed with that negative balance. Now near years later Truist took the {$650.00} out of my account with no notice. I am recovering from XXXX XXXX and need these funds for medical care.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX Jefferson capital Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with Jefferson with accounts number XXXX believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. I never owned a sprint account. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

It has been about 2 years now i been trying to get false information remove from my credit reports in each letter i ask for proof i been asking for what they see that shows that it was me not one bank provides accurate information or proof all i got back in my letters was i open the account i never said i didn't open the account but when it came to fraud on my account which leaded to a negate balance and ended on my reports i ask for proof that shows accurate of me inside the bank depositing money with a teller which they couldnt show because i wasn't never at the bank, never deposited money with a teller i also have the checks that was deposited into my account it came in my mail from the bank actually something i didnt deposit which lead to my acount to be close didnt get an email or call from the bank yall just let anyone get access to people banks thats sad then
Product: Credit reporting or other personal consumer reports

I sent a fraud affidavit to the original creditor, XXXX, that the {$400.00} charges were not mine. It was something like {$200.00} at chick filet it ton or something when I lived on XXXX  have never been to a XXXX XXXX  and did not make these charges.
Product: Credit card

This company is now " charging off '' the account after I provided the legal tender. I have requested on numerous occasions that I be supplied with financial documents - ASC 850 Related Party Disclosures- ASC 310 Receivables - ACS 405 Liabilities - Full Disclose of Assignment of Note - Any/all endorsements and allonges of NI.

Nothing has been sent to me and I have been ignored on all occasions. I have the right to request the documents per UCC 9-210 ( b ) the duty to respond is within 14 days.

At the time of opening, I was considered a minor of the account, I voided/rescinded the contract per the Baby Act, due to fraud, lack of disclosure, and lack of consideration. They were informed that I never abandoned these securities. I am the entitlement holder. They can no longer assume or presume that I am lost at sea. I signed a negotiable instrument, not just a contract. I never received a " loan '' from this entity, rather, they borrowed from me.
Product: Credit card or prepaid card

Payment history was perfect, banking with Bank of America for XXXX years and while I was on vacation they cancelled my account! No call, letter or any communication.