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

On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my Equifax Credit File. I checked those notifications and noticed there were multiple accounts appearing on my Equifax Credit File as of XX/XX/XXXX that had never appeared before. I immediately called Equifax and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to Equifax a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
Product: Credit card or prepaid card

On XX/XX/2018 Chase Credit card company keeps calling me every couple of hours about a debit I owe them. I have already set up a payment to pay off the partial debit that is owed of XXXX I told the latest agent that called to please stop calling and they said that they can call how ever often they want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and other : in accordance with the written instruction soft he consumer to whom it relates. " ( XXXX XXXX ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX XXXX ) whether it be verbal, non- verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to an affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non-disclosure option. " ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following item so f information Any other adverse item of information, other than records of conviction of crimes which antedates there port by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) state 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. 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Debt collection

I went to XXXX to do face threads on XX/XX/2018, work was partially done because the doctor couldn't get the needles into the left side of my face and he didn't have enough needles to finish the work. I was giving an appointment to finish the work XX/XX/2018. When I arrive the doctor asked me why i was there and I said to finish the work. His remarks was that he was not aware of my appointment and he did not have any needles available to finish the work. No one in the office could give me an answer. When I got home i called my bank and place a charge back on {$1000.00} that was paid to the doctor. The doctor had ample time to dispute my charge back which he never did. Instead he send me to collection with capital accounts and capital accounts harassed me with phone calls never providing me with any information. I see that capital accounts provide CFPB with a ledger that is incorrect because the ledger never showed the credit card payment or the credit. Attached please find proof of payment charge back and appointment to finalize the work that was never done.
Product: Credit reporting or other personal consumer reports

I have been trying to get my password changed with Experian since mid 2023. My old pin, which had not been used in years did not work when I tried to log in to the Experian sight. I sent a letter, they requested more info, copy of drivers license, copy of social security card, current address, phone number, etc. I sent all this to them. It almost seems these people can't read. After that letter they wanted more info which I sent, they then sent me a copy of my credit report which I did not even ask for. The last letter I sent was in big bold font, with a copy of previous letters requesting a new password. Thinking this last letter was very short and simple and easy to understand. This time they sent me a letter accusing me of not being me. " We received a recent request regarding your credit information that does not appear to have been sent directly by you. As a precautionary measure, we have not taken any action on your alleged request ''. 
I have had it with these people!! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ).

This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database.

Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. 
Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy.

Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i )
Product: Credit reporting or other personal consumer reports

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX XXXX, disrupting my sleep and peace of mind.
Product: Student loan

My loan processor was switched from XXXX to Aidvantage. As the commencement of the COVID forbearance was ending I wanted details about my loan. when trying to get details. no one could provide me the dates interest started incurring on my account. No dates were able to be given, no details of charges were able to be given, and my status as an active student was no in the system. Mid school year I have been incurring daily interest with no details or established repayment process. Super unorganized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XXXX XXXX XXXX. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my Spring semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.
Product: Credit card

Since XX/XX/2022, I have a credit line with PayPal Synchonic ( SYNCB ) of XXXX, which without notice or explanation was reduced to XXXX, which negatively impacts my credit. Since I have this line, my use of it has been excellent, I have never been late or paid late, I have always complied. I have a travel reservation which is being affected by this unexpected situation.
Product: Debt collection

Well with all do respect, I did twice talked to the XXXX in XXXX XXXX XXXX Utah about this when it first came out asking them to help me removed/fixed because it was not mine and i was told they were going to looked at it and let me know but they never did. Then i received letters from collection companies to pay more than XXXX XXXX dollars of medical bills which does not belong to me and i have called the collection company ( IC System Inc ) twice asking to dispute because it was not mine, I remember asking twice for disputing of the same claim and so far nothing has been done to it. This is within the last 5-6 years I think and still today its been ruining my Credit Report.

IC System Inc collection company. 
So please Im asking for help to see if this can be removed off of my credit report as soon as you can with all do respect, appreciated.
Product: Credit reporting or other personal consumer reports

There are two collections on my credit report that need to be removed. They got charged off in 2016  but they keep reappearing as new collections, so i think the collectors are re-aging my debts. Ive contacted them twice and even the company and they are refusing to provide me with documentation.
Product: Debt collection

In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I requested a reinvestigation and for contracts bearing my signature for the accounts below. Experian sent a letter refusing to reinvestigate telling me to send in documents to. However, they should have that information if they are the ones reporting it. They also did not provide information from the accounts bearing my signature or any contract. But they are reporting an account as charged off that was removed/ not reporting on the other bureaus. Credit bureaus are supposed to be reporting from the same place. I spoke to a representative from Experian and they said they are getting information from computers. I reached out to XXXX XXXX XXXX and walked into the bank. They do not have any of my information on file. My rights are being violated by Experian according to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. The information on my account is causing me to have high APRs and denials for credit based on my report.

1. The following account is reporting INACCURATELY and was removed from XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please follow suit and remove it from my credit report. 

2. The following account is reporting INACCURATELY ; My payment status is CURRENT, never LATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/2020 Please remove it from my credit report. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 
Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$10000.00} XXXX previously submitted a dispute to TRANSUNION regarding the XXXX in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, TRANSUNION failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION XXXX failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law.
Product: Credit reporting

On XX/XX/XXXX, I pulled a copy of my credit report from Equifax. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to Equifax disputing said alleged account and asked for validation. 

Equifax failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Equifax requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX, letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Equifax marked my credit report as being " disputed '' ; although, Equifax continues to report said item.
Product: Credit reporting or other personal consumer reports

I know my rights as a consumer and Transunion has failed to comply with FCRA laws.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.