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

Equifax has failed to properly handle our fraud dispute i have submitted 4 letters starting back in XX/XX/2018 about the identity theft.They have violated FCRA i have receipts from the post office that they signed and received my letter. Yet when i called them they notified me they never received anything. I have an account that is fraudulent reporting on my report that has caused me and my family to be unable to rent the companys name is XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE. Its attached to an address in Oregon that i don't live and i haven't. I have been at my current address for 3 and half years here in texas
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax data breach! Was informed was not affected then checked again and was told my data may be part of the hack! Called and was told to fill out form for free one year insurance to help with the hacking! Then would be charged after that for the coverage! First off- I never gave anyone the ok to share/ sell my information! They were hacked and now all my personal info may be out there for anyone to use to get a mortgage, credit cards, drank loan and drivers listens and voter registration! All media and what I have read about the hack states that my information may not be use for years! Is it a scam to get people to buy this protection package after one year??? Why should we/I pay for protection when an unauthorized business that makes money off of others personal information gets hacked! Especially when the info may be stored by the hackers and used at a much later date! Where do I go and who can help? The is the big question!
Product: Debt collection

Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law
Product: Checking or savings account

I deposited a {$1000.00} check from XXXX XXXX from a friend in Chase bank on Monday XX/XX/XXXX. Chase will NOT put the money in my account for 10 days. I need this money to go to my doctor for XXXX XXXX. It is to rent a car so I can drive from Florida to my doctor in New York. Their excuse is the check is OLD! They need 10 days to confirm that it is good?? This is a friend of 40 years that is loaning me the money so I can get the surgery. Since when does it take a bank to certify that a check is good? I am sure XXXX would tell Chase immediately if there was a problem, no legitimate reason for a 10 day wait to find out. Chase is the biggest bank in the country, I am sure the have the personnel to get it done with a phone call. I need this fixed immediately. My surgery is scheduled for XX/XX/XXXX, Monday at XXXX XXXX XXXX XXXX, XXXX NY. 
Please advise ASAP!!
Product: Debt collection

Getting XXXX emails about trying to negotiate the bill. Advised them I was out on XXXX and was not getting much in income wise from XXXX. That I would contact them when I could about setting up a payment plan. 

Threatend to automatically garnish wages in the first call if I didn't put down an exuberant amount of money. Settled on the second call for about {$XXXX} even though I didn't really have that much to " keep it in hardship. '' I felt backed into a corner because I told them in the initial call I couldn't do a whole lot. 

I wish I had ALL of the emails but did not realize they were coming in daily until XXXX and started saving them from that point on.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.
Product: Mortgage

Today XX/XX/year>, I called Wells Fargo to find out if my payments to the mortgage as a confirmed successor were being reported to the credit bureaus. There answer was no because the loan is in my late husband 's name. My question is more of, is there anything I can do to have my payments reported to the credit bureaus. Wells Fargo told me the only thing I can do is to assume the loan and place it in my name. To assume the loan means I would have to have a certain income which I don't have. I am a XXXX XXXX XXXX, female living on social security and have been paying this loan for XXXX years and never late. I want to sell my current home and down size. To do that I need a better credit score and this is why I am asking for my payments to be reported. I feel like I am stuck and that is why I am writing to you. Thank you for any guidance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I applied for a job with XXXX XXXX XXXX Idaho. I have two felonies on my record one is for partner-family member XXXX  out of Montana the incident of all of myself and my ex when I walked home from work and found her in bed with one of my friends or somebody that I thought was my friend I spent three years for that and its entirety I have another XXXX for a XXXX XXXX of XXXX XXXX   XXXX I XXXX   five years for that I did both sentences and was released I paid my debt to society I have a XXXX did I did XXXX years XXXX  XXXX   successfully I have a letter of completion from my XXXX officer and also for successfully completing XXXX and XXXX   XXXX  for a year intense all I'm asking is for a fair chance to work and provide for my family I'm not on XXXX  I'm not a XXXX and I was just like an equal opportunity like everybody else.
Product: Credit reporting or other personal consumer reports

Ive disputed an account that has been in collections for a few years. Previously stated that the account was CLOSED with XXXX for over {$2000.00} & that account should not be on my report. Experian got it removed, then it popped back up a year later and now I can not get it removed again.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX NC XXXX My Name is XXXX XXXX, I opened an account with XXXX  XXXX  XXXX is their number, AcceptanceNOW in XXXX of XXXX agreement number : XXXX. I don't even think XXXX XXXX owes the company now. 
I had an agreement to make payment once a month for 18 months. I have been making a payment every 2 weeks since that time of {$130.00}, I have never missed a single payment. 

I have paid well over {$4500.00} dollars for a living room and a bedroom suit, that is probably worth about half that much, not to mention the fees that are added. I have called this company to never get a straight answer from anyone on the staff. it's a shame that North Carolina will allow these rent to own companies to overcharge customers by hundreds of dollars, in the name of doing business. I have made 6 payment of over {$800.00} and have been told for the past 4 months that the balance is {$780.00} after each payment. I check my credit report that showed a balance of {$470.00} and I have made two payment since that time, I have never had this experience with a company, I have nothing but problems since I opened this account, Customer are looked at as numbers, they have no respect for the customer base. I will never do business with rent to own companies again as long as I live. I ask someone to please look into this matter for me, I will be happy to forward all documentation i have on payment and debits from my checking account. All I want to do is pay off this account without paying more than I owe. 

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

Capital One has reported a charge off to the credit bureaus without providing me documentary evidence of any and all 1099s that was filled with the IRS as it is income according to the IRS. Capital one has failed to mail a copy of the 1099 that was filled with the IRS and has reported it as a charge off to the credit bureaus.
Product: Student loan

No one is available at Ed financial to take a call return calls. Hold times are over 4 hours long and no one I available through chat. I have made daily payments in the amount of {$5.00} on my student loan. Some days {$1.00} I is applied to interest on other days the whole amount is applied to interest. Based on the interest calculation rate on the EDfinancial site I am overpaying on interest. There isn't an option to apply overpayments or payments directly to the principal. As of XX/XX/18 two loan which I paid off years ago are showing on this account. They show a {$0.00} balance each. An interest rate is shown in both. I can not get into contact with the servicer to understand and correct the issue with paying more in interest than the interest rate.
Product: Debt collection

XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX  and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under  subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to  placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )
Product: Credit card

I purchased online worth of {$530.00} but the item was not pick up at the location. The item was returned to the seller. The PayPal reward credit card give the refund money and later on few months they take the money back and added to may balance. After that I called the credit card company and the problem was solved. This year they added to my balance the {$530.00} again and I called them but the problem was not solve. I'm tired of calling them after multiple transfer to a customer service the problem was not even solve. I kept paying and paying to lower my balance but I still owe the credit card which is the {$530.00} still added on my account. I'm tired I agree to pay last year because I cant win with them but this year no way, I need help to fix this. I'm so stressful with this issue. I already pay them and they want me to pay again. I also have some issue with them I always getting an email with receipt that I was charge from XXXX XXXX and XXXX product that I purchase something with my PayPal credit I also told them I keep receiving this kind of email, I report it PayPal credit card and I was advice to forward the email to them. Which is I normally do every time I received an email telling me that I purchase something but technically it affect me and annoyed getting this type of problem. I want to dispute the {$530.00} added to my account or I think I over paid them. I'm not using anymore the card because i want to be a XXXX balance but the way they doing this to me I cant keep it low the balance. Please help me settled this.
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. 

List of Unauthorized Inquiries : 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 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: Debt collection

I do not owe   XXXX   XXXX   I never made any arrangements with this  3rd pa rty and needs to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$550.00} XXXX  XXXX {$720.00} XXXX  / XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$1100.00} XXXX  / XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of Equifax. The additional information submitted comes from Equifax acknowledging their egregious behavior regarding safeguarding my personal information.
Product: Checking or savings account

Money was taken out of my account, using a copy of my card. Someone somewhere I frequently use my chip skimmed my debit card and have been taking money out of a random ATM. This has happened XXXX times. I caught the second one, found out they did it before. I went and got a new card and about XXXX weeks later it happened again on my new card. I put in disputes for the first XXXX. They denied them saying my physical card was present when it wasnt. No one in my household knows my pin number so I know someone didnt take my card and bring it back XXXX separate times. They are trying not to give me my money back. The amount totals {$510.00} plus a {$2.00} ATM fee for using a random ATM all 3 times. There are no other transactions of me, pulling money out of an ATM because I never pull money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I recieved notification of a fraudulent credit card being authorized in my name for the amount of {$22000.00} with a company named UPGRADE. I did not authorize this and have notified the company however they stated that they could not Clos the account at this moment. This company does not have my approval to carry out such contract and I would like for it to be removed immediately. I have screenshots of the email that was sent to me. I have also recieved notification that a lease line of credit has been taken out in my name with XXXX in the amount of {$1400.00}. My claim of detachment listed above applies to this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXXXXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card or prepaid card

XX/XX/XXXX around XXXX, I was called by a person stating he was calling for XXXX and that my account was being charged for a new XXXX XXXX. He instructed me to go to the XXXX  site and type a web page-my computer immediately locked for ransomware.. I was transferred to another person who stated that for {$490.00} they would unlock my computer. I gave them my XXXX XXXX that was declined and they specifically asked for a Chase bank card. My computer unlocked but it was clear they were installing spy ware so I shut down the computer. I immediately called Chase and told them that this change was fraudulent and they should stop payment. They said it was not posted yet so they could not do anything until it posted which it did the next day, XX/XX/XXXX and the charge was {$470.00}. I called first thing in the morning and was told they could not do anything. The vendor was XXXX. After multiple calls I reached XXXX who said that it was not processed and emailed me confirmation. I started an appeal with Chase who said that the charge was valid. This should have been stopped when I first called. This was XXXX  and I believe Chase bank is facilitating this type of fraud. I appealed again and was told that I received the service from the merchant. I guess fraudsters are also merchants. 
I have used a Chase card for probably 35 years or longer and never protested a charge before. Would it be possible for you to contact them to get them to cease and desist assisting fraudulent transactions. I would be happy to provide written details and any other information. I am a XXXX senior.. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Product: Vehicle loan or lease

I am a victim of identity theft. An account was established in my name, fraudulently, with Toyota Financial. 

I have filed a police report with XXXX Police Department reporting this crime. 

I have notified the company multiple times about this, but as of today, they failed to conduct a thorough investigation and are still reporting this fraudulent account on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX, XXXX XXXX  XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX XXXX XXXX. and has new account number with different amount ... ... remove it.
Product: Checking or savings account

I was told that they would do the trade then find out they did not do it. They keep on saying am supervisor will call and discussed. No call.
Product: Debt collection

I have sent a pay to delete letter to debt collector ( AFNI , INC ) and I have had no response from the debt collector. I proposed a payment of {$370.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and certified mail receipt if needed.
Product: Payday loan, title loan, or personal loan

In XXXX of 2020 One Main FinanciaXXXX added a late payment on my credit report even though they were made aware more than once that I was out of work due to XXXX XXXX. I work in the transportation and hospitality industry which was adversely impacted by the pandemic. When I recently contacted them they acted like they could care less and stated that they wont remove the item even though they know how hard 2020 was for everyone.