23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax is reporting an inaccurate account on the consumer credit report. The original company is a private landlord who received a security deposit and monthly housing payments in advance. The residential lease was not renewed via property price increase. As a result, a move-out notification was provided, the unit was vacated at the agreed date and there were no outstanding rent due upon relocating. This matter was never known until appearing on the credit report. Once known, Equifax and XXXX XXXX XXXX received the following letter : Dear Equifax, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number or identifier account : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Inaccurate credit account/tradeline Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : o 602. ( a ) / [ 15 U.S.C. 1681 ] Reporting this account violates this section because an alleged housing claim has nothing to do with banking or credit worthiness. REMOVE THIS ACCOUNT o 603. ( a ) and ( d ) ( 1 ) ( A ) - ( C ) / [ 15 U.S.C. 1681a ] Reporting this violates this section because the alleged account has no relation to credit, insurance, employment, or laws outlined in section 604/ [ 15 U.S.C . 1681b ].

o 603. ( 2 ) ( A ) ( i ) This alleged account is only a transaction or experience between parties, and not that of an extension of credit or having any relation credit worthiness. The only qualification this account has is " mode of living '' and identification of address. REMOVE THIS ACCOUNT o This account does not comply with the definition of an " account '' expressed in section 903 of the Electronic Fund Transfer Act. 
o 607. Compliance procedures [ 15 U.S.C. 1681e ] Reporting this account violates accuracy of reporting. REMOVE THIS ACCOUNT o 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Comply with this request for reinvestigation.

o 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ; 617 ; FDCPA : 813.

Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Reporting this inaccurate account for another 30 days will result in civil legal action in the amount of {$250000.00}. Plus, remedies at the State and Federal levels.

o 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Residential housing is pre-paid or paid in advance. There was/is no extension of credit, net30 arrangement, etc. In addition, there was no proper service of demand, or Civil judgement rendered for any alleged amount owed.

The furnisher was informed that this information is inaccurate, yet still made the decision to report.

I have attached a copy of the email thread. 

Thank you for your assistance. I look forward to handing this matter outside of a courtroom. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have been requesting to have Wells Fargo Auto to provide all documents regarding a loan in my name which I am not familiar with. They stated that the vehicle was purchased but I have not received any documents supporting the purchase of said vehicle. I was also mailed a letter stating that after the repossession and sale the remainder loan amount was forgiven. I never received any documents regarding the sale, but was informed that it would be removed from my credit report.
Product: Credit card

I'm going through hardship at the moment I am homeless and I reached out to the self Inc credit card company and ask them can I pay a lower rate and they denied and I asked them why are my credit and interest rate so high the new law passed on interest and late fees to lower the amount they denied I had to cancel my credit card because it was still not active my balance was {$1500.00} and now it's almost XXXX I was charged a late fee today on XXXX and the office is closed and I'm not able to adjust the payment day or paid previous payments that is due on the date they want what I'm late on and interest fees and everything I could upload all the statements and documents I have from the app I could download it or send an email And then my credit score has dropped almost 300 points from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from TransUnion and XXXX XXXX XXXX even though I have ordered them at least 3 times since XX/XX/2020.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CBE GROUP ( Original Creditor : XX/XX/XXXX) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Delete this collection account PRONTO.
Product: Checking or savings account

They took mommy money and put me in the negative when I shouldn't have been
Product: Debt collection

The " Debt Buyer '', Jefferson Capital System reported a {$8100.00} collection debt on my credit report. I called ( XXXX ) the Debt Buyer to disputed the debt on two occasions [ dates are below ]. I requested the Debt Buyer to provide documentation proving that the debt is valid ( History of payments, My signature on the contract, any insurance claim file on the debt, chain of title, a statement from the original creditor ) in accordance to Section ( 1692g ( b ) ) of the Fair Debt Collection Practices Act ( FDCPA ). 

The Debt Buyer used abusive, deceptive, and unfair practices. The buyer misrepresented themselves as attorneys for XXXX XXXX XXXX XXXX when I called on XXXX of 2024. I called again on XX/XX/year>, and both times I spoke to a XXXX XXXX XXXX XXXX, who tried to mislead me to believe he was an attorney. I have attached a voice recording file of the phone call.
Product: Mortgage

Bayview Loan Service is restrained from collecting this alleged debt. I do not have a mortgage. Bayview in Florida State is retrained by court order XXXX. Bayview Loan Servicing is in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX FL. An Attorney in NY State has been commencing actions againt me wrongly. I do not owe this money. If this continues then Bayview Loan Servicing XXXX XXXX FL is in violation of Supreme court State of New York court order sated XX/XX/XXXX and prior XXXX with XXXX  XXXX another restraining order entered by the court. Attorney XXXX, changed names pleadings captions and continues to commence actions against me when I never had a mortgage and does not represent Bayview Loan Servicing FL. by filings forged notes. I reported 12 forged names, different names and different notes. filed my XXXX wrongly. I duly had this action barred, dismissed with prejudice. 
I demand this New York lawyer honor the restraining order by the supreme court that was entered duly, XX/XX/XXXX and in XXXX. The man flat out lied, created fraud docs. and and 7 YEARS of litigations and me having this alleged mortgage debt barred and restrained more than once, Mr. XXXX attorney after being DENIED a third les penance on my property, wrongly filed with the clerk of XXXX XXXX near XXXX XXXX dollars of liens and mortgages in his name personally using an unsigned order to show cause that was denied to XXXX by the court. 
I want MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY is the alleged " bayview Layer '' Bayview told me in XXXX they are restrained by court order, Mr XXXX must be sanctioned or fined, investigated, prosecuted for abusive discovery, fraud upon the court which I did prove of the passed 7 years on motion.
Product: Debt collection

They put a collection on my credit report and i owe nothing a prove on i did not sign anything with them
Product: Credit reporting, credit repair services, 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. 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 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 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 purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 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 person information. '' 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. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 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 no other : in accordance with the written instructions of the consumer to whom it relates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

What is wrong with this company that they literally cancel/prevent everyone from paying us!
Product: Credit card or prepaid card

Opened an XXXX XXXXXXXX XXXX XXXX card in XX/XX/2023. The promotion was to spend {$3000.00} in XXXX  days to receive XXXX bonus points. The spending requirement was reached on XX/XX/XXXX and per the terms the bonus points were to be awared with XXXX to XXXX weeks from that date.
Product: Credit card or prepaid card

I advised Discover card that I was in a XXXX  XXXX and couldn't make payments. I provided the rep my forwarding address. There was some fraud charges on the card and the fraud department refused to take my report. After they charged off the card I asked for a settlement. I wasn't working then and my only income is social security XXXX. At the time they want me to pay XXXX. I can only pay XXXX in total with payment arrangements. 


Also, I want to know the status of the account, when it was charged off and if it's time barred?
Product: Vehicle loan or lease

The payment was XXXX but they were putting part toward interest and then late fee every month. The actual principal was XXXX and then interest and the late fee. The payment was not late. I called and they just talked around what the other fee was and never would really answer my question. Someone later called me back and tried to say that was not what that meant ( the part about late fee ). I never understood and am still having to pay the same amount, they are not breaking it down to principal and interest XXXX hidden fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in XXXX regarding the inquiries showing on my credit report for accounts that I have never seen before and I advised the telephone agent I was a victim their inquiry issue and false information has starting to show up. The phone agent advised that I wasnt effected and the dispute is not valid due to the amount of time the inquiries have been posted to the report. The agent declined the opportunity to assist me.
Product: Money transfer, virtual currency, or money service

Cash app closed my account for no reason. My account was closed XXXX of XXXX. All my money was seized leaving me responsible for past due bills. The account said fraud but I did no fraud. 
.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX - XXXX. Paid off - still on credit report XXXX XXXX XX/XX/XXXX - XXXX - paid off still on credit report XXXX XXXX XXXX - XX/XX/XXXX - shows closed and opened. Currently open. 
XXXX XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX  XXXX  - hard inquiry XX/XX/XXXX - did not authorize XXXX - hard inquiry - XX/XX/XXXX - did not authorize XXXX  hard inquiry - XX/XX/XXXX - did not authorize XXXX XXXX XXXX - XX/XX/XXXX - did not authorize XXXX  XXXX via dealer - XX/XX/XXXX - did not authorize XXXX XXXX  XX/XX/XXXX - hard inquiry did not authorize XXXXXXXX  XX/XX/XXXX - hard inquiry- did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX  A ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

I have had plenty of transactions not go through saying I dont have enough money when I did. But then the funds were no longer there. I would spend money over the weekend but the transactions dont complete until the XXXX after and I end up in the negative with overdrafts. I would have to borrow money from others to cover the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud account on my credit ( Amsher collection ). I've contacted the company and informed them that this account doesn't belong to me. Its still continuing to report on my credit. Please remove this account as it is NOT MINE and I dont know who opened or used this account
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries and Credit card accounts from Hard 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
Product: Checking or savings account

someone use my Social security number to open a checking and saving account at the TD bank by using online access. I had already close all the account at TD bank.
Product: Money transfer, virtual currency, or money service

I initiated a {$200000.00} wire transfer depositing USD into my Coinbase account on XX/XX/12. The funds left my bank account and have still not appeared in my Coinbase account. Its states on the Coinbase site that domestic wire transfers will fun either same day, or in a worst case, the next day.

I have also not spoken to a single person at Coinbase despite formally filing complaint case # XXXX. I have not received any information as to where that money is, over a week after the money was wired to Coinbase. This is unacceptable and must be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/I sent experian through certified mail ( see attached file ) my complaint regarding unverified accounts on my credit report ( see attached file ) there response did not address the issue instead they ignored my request and responded with an a erroneous reply ( See attached file ) I am filing this complaint because they have purposefully made it impossible to reach anyone on the phone and ignore written complaints that clearly on the face of the document can not be ignored or misunderstood. I would like the accounts to be verified or removed from my credit as stated in the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts blow has violated my federally protected consumer rights to privacy confidentiality under 15 USC1681. 
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 XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX US Dept Of ED XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX 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 604 A Section. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account with0ut my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any following items of information Any other adverse items of information other than records of convictions of crime which antedates the the report by more than seven years.

15U.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 that the information is inaccurate.
Product: Student loan

My student loans got transferred Navient. So for a couple of years I have been going through such stress, trying to figure out, what are they doing with my payments. I have talked to over five different Account Managers, who tell me something different. They tell me that I am current one month, and then the next month, I am passed due. Every time I call the company and make a payment, I wind up getting upset! They have been mishandling my account for several months now! I would like for someone to give me a straight answer, as to what is going on at Navient? I was just told on XXXX XXXX, 2016 by XXXX XXXX at Navient, that my account was current. This month I called in to make a payment, and another Account Manager by the name of XXXX XXXX, says that XXXX was wrong, and that I am passed due! Someone please help! I am at my wits end! I thank you for your time and consideration. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I contacted Transunion on XX/XX/year> and requested a investigation on Inquiries. I spoke with XXXX Special Handling Department at XXXX XXXX. He provided me with file # XXXX and requested I sent in copy of social security card. which I sent a copy of with proof of Identity and residency. I contacted Transunion again XX/XX/year> and spoke with XXXX who updated my personal Info due to XXXX reporting inaccurate personal information. we got it updated I was then transferred to XXXX XXXXSupervisor who denied filing my request told me I would need to speak with creditors instead of Transunion. call disconnected I then got to someone else who request I provide 3 things CFPB complaint number, police report or copies of verification. call disconnected called back and got to XXXX I verified with him if he was the person i spoke with on XX/XX/year> he said yes he to stated I could not file a request he would send off something to creditors