23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am tremendously offended and outraged at Equifax. Recently, I received a credit score from Equifax and it was significantly lower than I expected. Upon further investigation, the credit report I retrieved subsequently revealed significantly lax controls by the credit bureau, as well as some wild assumptions that tie into potential race issues. When I retrieved my credit report, I found out that for some miraculous reason, both my sisters SSNs were linked to my report. In addition, my birthdate apparently is XXXX, when in fact, is XXXX. Unless I 'm mistaken, I would 've thought that an individual is tied to XXXX single SSN, and not XXXX additional SSNs. This unfortunate situation has led me to appear to be responsible for all credit-related accounts that are not mine, including student loans, a delinquent credit card account, and credit inquiries that I never made. In addition, because all of our names have beginning syllables that are identical, that makes it such that I am the same person as my sisters. Although I attempted to self remediate the situation online via Equifax Dispute Resolution, the button will not let me hit submit - it appears that the system makes it that much more difficult to even self-help. I am resorting to notifying the only potential bureau about this issue that can help escalate and resolve this issue. Any institution that has any reasonable controls should 've flagged the very fact that XXXX person is tied to multiple SSNs for further investigation and independently verify the accuracy. This is a failure on the compliance program of Equifax and I am requesting assistance to get an accurate report - do note that other credit reporting agencies ( i.e., XXXX, XXXX ) do n't seem to have this issue. I am attaching both a credit report for XXXX agencies, as well as a word document that I copied and pasted from Equifax 's website ( which would n't let me submit and froze me out ) for further reference of what my specific disputes are. In addition, I am attaching a copy of my passport and my SSN as evidence of what the accurate information should be. 

On a separate matter, I would also be concerned at the sheer fact that I now know the entire credit history of individuals other than myself, and what potential ramifications that has on the privacy of the effected individuals ( regardless of whether or not they are family members ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-ended Consumer Credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile collections that I have no given written instructions to 3rd parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b- Permissible Purpose. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNTS TO REMOVED IN TWO BUSINESS DAYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had 6 fraudulent charges on my card on XX/XX/19. These happened during the day while I was at work and while I still had the card in my possession. BBVA reversed 4 of the charges but arbitrarily determined two of the charges to XXXX XXXX # XXXX in the amounts of {$100.00} and {$110.00} were legitimate. I was given no reason for this decision. I did not receive any proof of investigation. 

I believe this happened because I was honest in the initial interview and said I had shopped at a XXXX XXXX on XX/XX/XXXX. However, I shopped at store # XXXX ( a different store ), I did not use the BBVA card, I used my XXXX XXXX card, and the amount was {$160.00}, which does not match the amount above. I have both the receipt and credit card statement to back up these claims. I also have 20+ co-workers who can tell you I never left my office on XX/XX/19 when the disputed charges occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive noticed a possible fraudulent account on my credit report named XXXX XXXX. i do not recognize this account and i would like it removed
Product: Debt collection

My Wife and I lived in an apartment that became to expensive to live in once I lost my job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
Product: Credit reporting

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$11000.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Checking or savings account

XX/XX/XXXX when deposit did not hit my checking acct iao XXXX
Product: Credit reporting or other personal consumer reports

I am seeking assistance for a rather distressing situation that has arisen due to my unfortunate connection with the platform known as Kikoff. To put it bluntly, my experience with Kikoff has been nothing short of troublesome, and I am now in dire need of aid to rectify the issue at hand. Specifically, I am desperately trying to remove my personal information from their database, as it has come to my attention that my sensitive data is being mishandled and has potentially fallen into the wrong hands.

In my earnest pursuit of a resolution, I have already reached out to the Kikoff team and expressed my deep concerns about the security breach that has occurred. I implored them to take immediate action and rectify the situation by erasing my personal information from their records. Regrettably, my pleas seemed to have fallen on deaf ears, as they continued to negligently report negative information about me to credit agencies. This disheartening turn of events has had a profoundly detrimental effect on my credit score, leaving me in a state of considerable financial distress.

Given the gravity of the situation, I find myself in a position where I am left with no other choice but to seek external assistance. It is my sincere hope that someone can guide me through the necessary steps to ensure the removal of my name and personal details from Kikoff 's database. This action is not only crucial to safeguarding my personal information but also instrumental in rectifying the damage done to my credit history.

In conclusion, I humbly beseech anyone reading this message to extend a helping hand in resolving this distressing matter. Any guidance or support provided will be immensely appreciated, as it holds the potential to alleviate the significant burden I am currently facing. Thank you for taking the time to read this plea, and I earnestly hope that a solution can
Product: Vehicle loan or lease

I signed a contract with drive time on XX/XX/22 and was never given 2 copies of information informing me of might rights to rescind. As if they were intentionally misleading me. I recently submitted a affidavit of rescission to drive time at XXXX XXXX XXXX XXXX XXXX fl XXXX on XX/XX/22
Product: Debt collection

Credit Management Company began calling me on XX/XX/XXXX demanding that I pay a debt that has already been resolved as not mine by 2 previous collectors. Now they purchased it and are using aggressive tactics to collect. I have recordings of the following calls : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX I have never been to " XXXX XXXX '' and on the day in question XX/XX/XXXX I was XXXX in the XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX tried to collect this debt. I explained the same to them and never heard from them again. In XXXXXXXX XXXX XXXXXXXX this debt appeared on my credit report. I was buying a car at the time and it cause me to pay an extra 2 % interest on the loan. I contacted the reporter who was NOT this company and they immediately removed it from my credit report. Now this company is trying to collect the same debt. This is not my debt and there is no possible way that I could have incurred this debt. I very clearly disputed the debt on the phone with their collector and I have recordings of the calls. Nevertheless they have placed this collection on my credit report as of XX/XX/XXXX as a {$1300.00} collection. They called more than the times listed above those are the only ones I was able to record. I requested they send me proof of the debt and they have failed to do so. They sent me a one page letter only showing : Original Creditor : XXXX XXXX XXXX XXXX Current Creditor. XXXX XXXXXXXX XXXX XXXX  On the back is says again XXXX XXXX XXXX XXXX gives a date on XX/XX/XXXX ( still I was in the jail ) but no proof that I signed for this account or agreed to pay any amount. The failure to provide original proof of the debt is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  Equifax was founded in XXXX, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that has been reported on my credit report by XXXX. Specifically, I am disputing the reporting of my personal transactions which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

1. Violation of FCRA Reporting of Personal Transaction Information Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, credit furnishers are required to report accurate and relevant information to the credit bureaus. Personal transaction details are not intended to be reported to the credit bureaus, and the inclusion of such information is a clear violation of the FCRA. This unauthorized sharing of my personal transaction information with credit bureaus infringes on my privacy and does not adhere to the standards set forth by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and XXXX XXXX XXXX on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from XXXX in attempting to resolve this matter.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal. This account is active and has been in good standing for many years. I am currently traveling in XXXX for XXXX  weeks, and while I am here, I decided to get a local XXXX card with a local number. In this country, mobile numbers are also enabled with a digital wallet to facilitate easy cashless payments. 

This service, XXXX XXXX supports transfers from XXXXXXXX XXXX accounts ( or debit cards ) via XXXX ( a PayPal service ) to digital wallets such as XXXX. On XX/XX/2023, I made a transfer attempt in the amount of US {$100.00}. I attempted to send the funds from my PayPal account to my XXXX account. I receive a confirmation that the funds transfer was successfully completed. However, a few days later, I received notice from PayPal that my transaction was cancelled. There was no explanation. I was told to contact XXXX support. When I called the number, there was no staff available as it was outside of business hours for their call center, which works on XXXX time. 

I then decided to email the support center at the address I found in the communication I received. They responded that I should call instead. I tried it again, but still no one was availableafter all it is XXXX XXXX, so it is reasonable to assume that their staff are enjoying the holiday. 

On XX/XX/XXXX, I attempted to do another transfer, but the PayPal app prevented me from completing it, and directed me to contact support. Again, I tried to call, but there was no staff available as it was in the wee hours of the morning XXXX time. So, again, I sent another email. The gents who replied did not attempt to understand my problem or did not try to help. 

I asked my partner, who is traveling with me, to send me funds to my XXXX account from his PayPal account . He, too, received a reply from PayPal that his transaction was being cancelled. 

We are honest, law-abiding citizens of the United States with accounts in good standing. Why do I feel like we are being suspected of engaging in illegal activities and being prevented from using the services that PayPal has marketed as availableand failing to provide support and resolution?! This does not strike me as fair treatment. 

It seems to me that they blocked the phone number associated with my XXXX account from receiving funds through its payment/funds transfer network.
Product: Debt collection

I have disputed this debt that isnt mine multiple times. RBC only adds a remark that Im disputing this debt. I have asked them to send me a letter as to what this item is and they have refused. I spoke with a rude representative named XXXX and also spoke with another lady who advised me that they wont send me any letters validating this debt since I refuse to pay. I cant and am not paying for something that isnt mine.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau TransUnion. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

3. XXXX XXXX Consumer Fraud Act ( XXXX ) : ** The XXXX prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after you reinvestigation.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of thaXXXX 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 XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I received 19 emails from, the company True Accord, from XXXX to XXXX. 
A Violation of 15 U.S.C. 1692c ( a ). Within those emails are, a minimu
m total of 7 federal law violations, per email.

True Accord furnished an account that was created from a credit card.

A violation of 15 U.S.C. 1681a ( 2 ) ( b ) True Accord used profane language in their communication with me.

A violation of 15 U.S.C. 1692d ( 2 ) True Accord, claiming that I owe a debt, is a violation of 15 U.S.C. 1692b ( 2 ) True Accord is using deceptive means to collect on a debt that is not mine.

A violation of 15 U.S.C. 1692e ( 10 ) True Accord has caused damage to my credit reputation.

A violation of 15 U.S.C. 1692d ( 1 ) The amount that True Accord says I am obligated to pay is a violation of 15 U.S.C. 1692e ( 2 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account on my credit from XXXX XXXX XXXX that was charged off in XX/XX/XXXX it was sold to XXXX collection agency and then another called Central Portfolio XXXX XXXX of XXXX and they show it as being chared off in XXXX of XXXX which is wrong and everytime I go to credit bureau to make them put the original date of the collection they up date it to that day so in XXXX months i have ask XXXX to fix it they have shown the date as that month and I read by law the original date has to be on the collection on my bureau and they only date they show is one and a month ago, no account numbers no original file date and everytime I try to fight it because it comes off my credit next year and they cant collect they make it look like it just happened I know they can keep updating it but they have to show the original date, Yesterday they put the date on XXXX as XX/XX/XXXX and its not is a debt from almost XXXX XXXX XXXX. there angry they cant collect and are just harassing me to no end. please help. Thanks XXXX XXXX
Product: Debt collection

I had turned off and canceled my account with XXXX switching to XXXX and they had never canceled my third line on the account and left it running, as the third line had never even been used or texted from in that entire time While unbeknownst to me acrueing over XXXX dollar phone bill with no contact to me whatsoever. Once I saw that it hit my credit account after being turned to collections I contacted XXXX and the representative on the phone even said I had canceled the phone line though she couldn't tell me anymore after that. Now I'm being repeatedly called about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with the TRANSUNION credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors.

XXXX XXXX XXXX accounts # XXXX, # XXXX These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. XXXX XXXX XXXX  # XXXX  ( XXXX XXXX XXXX ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. XXXX XXXX XXXX # XXXX same issue as XXXX XXXX XXXX.

These four accounts should be deleted from my file.