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

I sent a letter to Equifax stating that they had violated 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining, money property, labor, or services on credit card. Notice, congress said Any card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transition below. I have attached the dispute letter I sent to Equifax.
Product: Debt collection

The issue is that this debt collection company, Financial Recovery Services , Inc., is attempting to collect a debt on a credit card that resulted from an identity theft. As shown on the credit report, the original creditor was stated as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and informed them the account or card is not mine because I've been an identity theft victim, and the report is not mine. They should close whatever budget is under my name, remove my information from their records, and delete the entire history because it's not mine. XXXX XXXX Delaware representative asked for an FTC report, which I drafted and sent to them. They told me they would immediately close and remove the account from the credit bureau, and I don't have to worry about this account again. However, now it continuously reports, and I keep getting harassed by a collection agency attempting to collect a debt on a credit card that was opened through identity theft. I informed them that the account or credit card originating from XXXX XXXX XXXX was not mine. They needed to stop attempting to collect a debt under a fraudulent account because it was against the law. However, they refuse to understand and continuously harass me by claiming that this account belongs to me. The report is not mine ; the debt collection is not mine. This fraudulent account was supposed to be removed from the records long ago because it resulted from identity theft, and they refused to remove it.
Product: Credit card

I made a purchase of a bar cart I saw on XXXX for {$99.00}. The company advertising the bar cart was XXXX. I received an email receipt from XXXX with the order confirmation shortly after purchase on XX/XX/XXXX. 
On XX/XX/XXXX, at XXXX I received a fraud alert from Robinhood Credit Card regarding suspected fraudulent charges from XXXX XXXX XXXX  and XXXX XXXX XXXX. I confirmed those charges were not made by me. The purchase for {$99.00} now also comes up as XXXX XXXX XXXX. Robinhood Credit Card is now deemed that the charges they originally identified as fraud, are not fraud. They are fraud and I want all charges from XXXX XXXX XXXX and XXXX XXXX XXXX  removed from my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, let me thank you for the hard work of your team at the CFPB. Your agency does an outstanding work and we appreciate your efforts on behalf of the XXXX people. 
Our family was interested in refinancing a family property in XXXX, Michigan. My wife XXXX visited a branch of XXXX XXXX XXXX XXXX in XXXX to inquire on this matter and was placed in touch with XXXX in their Mortgage department. XXXX sent me the contact information for XXXX, and I attempted to reach her to discuss this possible refi. XXXX did provide XXXX with my personal information as well, including my social security number. I attempted to contact XXXX three ( 3 ) times via telephone, however none of my calls were returned. You could imagine my surprise when I received a credit alert that a hard inquiry was placed through Experian. 
The Fair Credit Reporting Act XXXX FCRA XXXX has a strict limit on who can check your credit and under what circumstance. I did not authorize this inquiry. In fact, I have never spoken with XXXX nor any other representative of XXXX XXXX XXXX XXXX. Im extremely disappointed with the conduct of their team and already requested remediation on this matter. 
Id appreciate your team document this activity and investigate as you see fit.
Product: Debt collection

I took out a loan Acima through a third party for a set of rims for my car. A reoccurring payments were set up to take out {$88.00} out of my account for a 1yr lease which was started in XX/XX/2020. I was told I have the option to do a payoff in 90 days. I called Acima in XX/XX/2020 and made a {$300.00} payment. The sales associate told me we would set up where {$170.00} would be taken out my account weekly so I would be fully paid off by XX/XX/2020. I recieved a call in XX/XX/2020 saying they had been unable to take that months payment out my account. I had got a new debit card is the reason. I spoke to an associate and asked why they were trying to take out a payment when I should of been fully paid off in XXXX. They said that I never set up for that amount to be taken out weekly. I said to them at the point when i made the {$300.00} payment I was up to date on my payments and when i authorized for that amount to be taken out the account it was because I wanted to do the 90 day pay off. I spoke to another representative and was told that was never set up. I told them I was under the impression that it was, and that I shouldn't be penalized for it. They are saying I owe an additional {$2000.00} or I could do make a charge off payment of {$1000.00}. I asked how much were the rims they told me that before the 90 day pay off the rims were {$2000.00} I asked how much I have paid so far and they said I've payed {$2200.00} which exceeds the amount of the original 90 day cost. So I asked why should I pay {$2000.00} more or the {$1000.00} payoff if I've already paid so much? They said the representative didn't set it up so I would be paid off by XXXX. I said that's not my fault. It is hurting my credit to have this on there and I am in the process of buying a house for my family and this is putting a major burden on me.
Product: Credit reporting or other personal consumer reports

Recently, I did an an investigation on my report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

On XX/XX/2019 I scheduled a payment request for the total balance of my Gap Visa credit card ( managed by Synchrony Bank ). I had taken an early withdrawal of my retirement funds to pay off all of my high interest outstanding debt. I had scheduled the payment of {$10000.00} to process on XX/XX/2019 to allow time for the funds to hit my bank account. When the funds were deposited a day earlier than expected, I tried to edit the payment so that it would process immediately. Their website did not allow any changes, so I cancelled the scheduled payment and then resubmitted a request to process immediately. The confirmation number for this cancellation was XXXX. The payment was processed on XXXX, which brought my balance to XXXX. However, the next day, XX/XX/XXXX, they still processed the cancelled payment, withdrawing an additional {$10000.00} from my account ( which required the bank to dip into my savings to avoid an overdraft ). When I called to report the error, they informed me that the soonest they could refund the amount of the overpayment was XX/XX/XXXX and they could only do it by paper check. I have since spoken to two supervisors and they both stand by that policy, even though they have no problem withdrawing my funds immediately through ACH. Given the slow pace of the mail, that means I will be nearly {$11000.00} poorer for almost 3 weeks, AND I run the risk of these funds being stolen or lost in the mail because of their policy of only distributing refunds via paper check. The only reason I even had that much money was because I made the difficult decision to pay tax penalties and early withdrawal penalties in order to eliminate my high-interest debt. I am not a wealthy person, and I can't really afford to wait 3 weeks to get my money back, though it appears that I will have to find a way to make that work somehow. There are a variety of problems with their policy that I do not think are fair or ethical, and they probably should not be legal. Why did they accept a 5-figure payment on an account with a XXXX balance? How is that they can take my money immediately, but can not return it in the same manner? Why is it that I have to pay penalties and interest if I fail to pay them back in a timely manner, but they can just keep my money as long as they want and I have to just bite the bullet and take it? I did also try to see if my bank ( XXXX XXXX XXXX XXXX ) could do something to address the issue, but they could not get the funds back once they had been transmitted to Synchrony.
Product: Credit reporting or other personal consumer reports

I have previously submitted complaints under the fair reporting acts under consumer protection laws showing the inaccuracies on my credit report. I have provided the documentation from XXXX, TransUnion, XXXX that the accounts below do not even have my legal name on them. I have filed an identity theft report and will provide that documentation attached to this complaint. 

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries, delete it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : Complaint against XXXX XXXX  Account number ending in XXXX I am in distress! I log onto Experian to learn about credit, and I already have accounts that do not belong to me nor did I give anyone permission to use my information for credit. Well, I went through the dispute process that took about 30 days and the credit bureau said, the information came back as verified after sending a police report, and FTC report. I sent out a letter demanding proof from the creditor which was part of the disputing process that Experian told me. XXXX XXXX  sent a package to me with the supposed charges, on XXXX XXXX saying I owe them {$1600.00} now its {$1900.00}. I do not owe XXXX XXXX  anything because I never had a account with XXXX XXXX  and something needs to be done about this immediately.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions are unfeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Essentially, Equifax lost my line of credit. My other creditors have no problem receiving and reporting my credit score. On XXXX XXXX I sent in my documents to equifax to verify identity. They took a tremendously slow time processing these papers. As recently as XX/XX/XXXX various members within Equifax said I did not send my papers and they could do nothing to help me. Through my roughly 50 phone calls, I have pieced together that Equifax lost my credit file and my attempts for my creditors to send my files via XXXX   have been thwarted because they do not have a file for the AUD numbers to be sent to. On XX/XX/2017 my Social Security number was used in relation to a different consumer. I obtained this through a separate credit agency and an internal error within equifax is the cause of the fat fingering. Despite numerous notifications that I am under contract with a property, Equifax has done almost nothing to rectify their error, thus potentially causing me to lose the property and hundreds of thousands in losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX  injuries. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to create deceptive forms with inaccurate fraudulent information has resulted in defamation of my character. Due to that It is causing me to be discriminated against and being denied my right to extend credit. Experian are claim the fraudulent accounts as verified without factual evidence or based on hearsay. I have now suffered actual damages to my reputation, finance and injuries to my mental and emotional health all due to the humiliation of their negligence and non compliance. Per 15 USC 1681o Experian is lawfully held responsible for those damages and I am entitled to monetary compensation for my damages.
Product: Credit reporting

XXXX/XXXX/2016 I contacted the credit bureau to request validation of the debt they are reporting on my credit report from XXXX XXXX XXXX. I was unfamiliar with the balance due so I requested statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

This account was paid in full to the original creditor before entering into collections and I requested the account be closed. In the past I have provided Transunion with copies of my bank statements showing payment of the balance due in full at the time of the account closing. I requested statements from the original creditor to show how the balance came about. The creditor has not sent me any documentation displaying how the balance was accumulated.
Product: Credit reporting or other personal consumer reports

Credit Collection on behalf of XXXX XXXX has placed erroneous information on my credit report and has yet to show validity with accuracy of said debt. The policy was cancelled and XXXX XXXX still attempted to collect an insurance payment, thereby engaging in a commission of fraud. Credit Collection wont listen to reason and is accessory to the commission of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi my name is XXXX and i was on motgage account that happend XX/XX/XXXX with another person and the house was sold i be, ieve on XX/XX/XXXX we called the company asking why the information was on my credit report and they said that it supposed to stay on there til XXXX after speaking to the mortgage company they explained that it shouldnt be there after it has been sold please help thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX  and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. XXXX XXXX  was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a dispute completion online, not by mail from Equifax stating that my dispute was " Verified '' with XXXX XXXX within 3 days of my submittal. I have provided Equifax with a letter from XXXX XXXX stated that the record was removed because it could not be verified. Please see the attached confirmation from Equifax stating that they have conducted a proper investigation into this record.
Product: Credit card or prepaid card

I purchased some appliances, and I we put it on the Fortiva Retail Credit card. We were told it was for 6 months interest free. We received the first bill ; the payment is due on XX/XX/XXXX but the statement says the balance needs to be paid by XX/XX/XXXX. They are deceiving customers, it not 6 months from the first bill, its 6 months from the date of purchase.
Product: Debt collection

I reject your offer to contract I did not consent to any nonaffiliated third party XXXX XXXX XXXX ACCT # XXXX to be in possession of my Nonpublic Person Information. This is notice to cease and desist all communications and furnishing false credit information on my credit reports is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. I have reason to believe that the Original CreditoXXXX, XXXX XXXX XXXX, Transunion are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.