23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX I Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Student loan

XX/XX/2022 XXXX of XXXX of my federal student loans with Fedloans were forgiven pursuant to the Public Service Loan Forgiveness ( PSLF ) waiver. I am grateful for this forgiveness however, after numerous phone calls with Fedloan representatives, I learned that Fedloans was not providing accurate information to borrowers about consolidation of Direct Loans. They had advised me to consolidate my Direct Loans and the whole amount will be forgiving. I consolidated my loans with XXXX and while it was in process, Fedloans sent me a letter saying only two loans were forgiving in the amount of XXXX. I currently have a XXXX balance remaining on my federal Direct Loan balance which was transferred to XXXX. If Fedloans had given the accurate information about consolidation at the time I sent my PSLF application, then my entire Direct Loan balance would have been forgiven at the same time, as the new rule states that consolidation would give the new loan the highest payment count of the underlying consolidated loans. I am request the remaining balance of my loans be forgiving as well since the two loans which were forgiven was part of my consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 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 I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX am not liable for this debt with XXXX XXXX, XXXX XXXX XXXX and XXXX  and they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single time I request an annual credit report from Equifax, They claim to " verify '' my identity by asking me questions on accounts or loans that DO NOT exist. Since I am not able to answer questions on accounts that do not exist, Equifax requires to send them copies of documents giving them additional information on me. Upon supplying them with the " required " documents, a credit report is received which has NO listing of any of the accounts they claim to have existed to " verify '' me. 
I accuse Equifax of fraudulently using this method to collect additional information on consumers, then selling the data. I wish to press charges against them This has happened for multiple years, I have not moved in over 20 years. 

I have tried multiple times to get them to correct this, but they claim there is " a data base error that is common in their system : '' they are unable to correct. 

Another effect of this deception by Equifax is they are intentionally violating the law regarding requesting a personal credit report once a year by consumers. this adds an additional barrier to consumers to get their credit report timely. 
Another effect of this fraudulent activity is a consumer may incorrect feel their credit profile is compromised and are lead to believe their credit file is compromised leading the consumer to purchase unneeded Equifax services. 

A consumer is also blocked from any phone support regarding their credit account unless Equifax fraudulent demands for unneeded documents are met.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from the XXXX data breach ( XXXX XXXX : XXXX ) reported in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts on my XXXX and Transunion credit report that I did not authorize or open. These accounts are directly related to my compromised information from the XXXX breach. 

XXXX XXXX ( Account XXXX ) : New Fraudulent Charge, {$4200.00} balance XXXX ( Account XXXX ) : New fraudulent charge of {$6000.00} XXXX CARD ( Account XXXX ) : New fraudulent charge of {$6100.00} Actions Taken to Protect Myself I have taken the following actions to protect myself and to report the identity theft : Filed identity theft reports with the FTC ( Identity Theft Report # XXXX ) Placed fraud alerts on my credit reports with all XXXX  major credit bureaus Frozen my credit reports with all three major bureaus Currently in the process of filing a police report Legal Violations XXXX and Transunion 's Violation of 15 U.S.C. 1681c-2 Under this statute, XXXX and Transunion are required to block the reporting of any information identified by the consumer as resulting from identity theft within XXXX business days. However, XXXX and Transunion has failed to remove the fraudulent items on my report, even after XXXX  days, in clear violation of the law. 

XXXX and Transunion 's Violation of 15 U.S.C. 1681b According to this statute, a consumer reporting agency may only furnish a consumer report with written instructions from the consumer. I never authorized or consented to the reporting of these fraudulent accounts, which violates my rights as a federally protected consumer. No consent is given in cases of identity theft. 

Debt Collection and Charge-Off Violations XXXX and XXXX have both charged off the fraudulent accounts. Under the IRS regulations ( specifically Section 6050P of the Internal Revenue Code ), once a debt is charged off, the lender must issue a 1099-C to the debtor and should cease collection efforts. As these accounts are the result of identity theft, I should not be held liable, nor should these debts be reported on my credit. The presence of these charged-off debts on my credit report is a violation of my rights.
Product: Debt collection

I did not receive any letter nor notification from this agency about the amount of debt that I have never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both XXXX XXXX and Equifax, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
Product: Money transfer, virtual currency, or money service

I am suing Cashapp ( Block Inc ) due to unfair and illegal practices with their customer service which violated the Consumer Financial Protection Act. Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable. The dispute resolution process was unfair and deceptive as they did not comply with their requirements under the Electronic Fund Transfer Act and regulation E causing significant loss to me as a freelancer. I hope CFPB can help me address my concerns.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to respond to my dispute and not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via XXXX XXXX mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), disputing the inaccurate and incomplete reporting of : Bankruptcy Reference Number : XXXX ( Filing Date : XX/XX/XXXX ) Other negative accounts reported on my credit report To verify my identity and comply with Equifaxs requirements, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The Bankruptcy Reference Number XXXX is unverifiable, XXXX XXXX, which maintains bankruptcy records, has no record of this Bankruptcy on my consumer report ( Consumer Report Number : XXXX, Case Number : XXXX, dated XX/XX/XXXX ). 
Despite my detailed dispute and all necessary identity verification documents, Equifax has failed to : Provide a timely response to my dispute. 
XXXX a reasonable investigation into the accuracy and completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : XXXX On XX/XX/2022 I received ( 3 ) emails stating disputes have been resolved or updated information has been correct. Each time I go to the account to review the updates of my existing complaint the record can not be accessed. Please see attached screenprint of the issue.
Product: Checking or savings account

On XX/XX/2022 I received a Debit Card from Bank of America in the mail for activation. I was immediately concerned considering I never opened an account at Bank of America. I called and spoke with XXXX, from Texas, in the XXXX XXXX XXXX Department XXXX He was able to block the card and notate that the account was opened Fraudulently. He was also able to notify me the account was opened XX/XX/2022. I was then transferred to the XXXX XXXX Department where XXXX, from Texas was able to assist me. She was able to successfully file an Identity Theft Claim since the account was opened using my Social Security Number.
Product: Debt collection

I recently realized that a collections agency is reporting a debt on my credit report. 

The collections agency is called " EOS CCA '' and the " original debtor '' is XXXX. The collection was reported on XX/XX/XXXX in the amount of {$670.00}. 

I have been trying to get information from XXXX and in speaking with them, I was told that this debt was included in my prior bankruptcy. ( The acct number XXXX 's bankruptcy dept gave me is XXXX however I was later told by another XXXX rep in their credit reporting department, that this is not a valid account number ). 

I have already disputed the debt with XXXX  which resulted in a verified debt. 

XXXX however says that they have " escalated '' this issue but I have yet to hear back from them and it has been 3 weeks since I first initiated contact w/XXXX. I have left messages each week to have the supervisor call me back that I first spoke with at XXXX. She told me 3 weeks ago that she would get back me but she did not. I called her again onXX/XX/XXXXand left a message ( did not hear back ) and I called her again today ( XX/XX/XXXX ) and left another message. 

If I truly owe this debt, then I need to get it paid and off of my credit report however if I do not, then I need it removed from my credit report. However I have no statement from the collections agency nor a bill from XXXX and XXXX does not even seem to be able help me and they are the source of the debt in the first place.
Product: Vehicle loan or lease

I am writing to report an issue with Ally Auto regarding a payment I made in XXXX. Despite my bank confirming that the payment was successfully processed, Ally Auto has refused to acknowledge it or conduct a proper investigation. They claim my account is past due and insist they can not locate the payment, even though I have provided evidence from my bank. This has caused significant stress and potential damage to my credit. I am requesting your assistance in resolving this matter and ensuring Ally Auto addresses this payment discrepancy appropriately.
Product: Checking or savings account

Chase claim submitted and acknowledged by Chase in writing but they left me messages to call them and when I called they keep asking me for the same information stating " I need to provide them with the information ( I've already provided ) if I want to file a claim. '' They are stonewalling me using the process in a repetitive manner in an attempt to have a reason to drop my claim, for example, if I fail to return their call or if I don't keep providing them with the same information time and time again. 

I have called and returned a call to Chase. I went to the Branch which I provided proof the charge was false and later was called by Chase TO SUBMIT ALL THE INFORMATION AGAIN. Then the same day I was called to submit the same information again. Just today I was called again to submit the same information. 

This is harassment. I don't understand why if I call a bank and say someone stole my funds out of my checking account and provide details why I'm the one that has to keep proving I have a valid claim. I shouldn't have to prove anything but say they were not authorized to take my money and my money should be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : 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. I have filed a complaint with FTC and CFPB.
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 has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

On XXXX/XXXX/XXXX I was approved for a XXXX XXXX XXXX XXXX. On a conversation over the phone with a XXXX representative I was told I would NOT have to make any payments on this account for one year, until XXXX XXXX XXXX I 'm not sure why XXXX XXXX, rather than XXXX XXXX XXXX. That is also what all marketing for the card indicated, and it is why I signed up for the card. The phone call I made was to confirm this information. 

I was able to transfer a balance from a XXXX XXXX credit card of XXXX to the XXXX and I made some purchases. 

Within the last week, the final week of XXXX XXXX, I checked my credit score and was shocked to see that I had a series of missed payments for the XXXX and my credit score had tanked. I called XXXX and was informed that I was supposed to be making a payment each month, contrary to what I was told when I signed up for the card, and the marketing advertising the card. 

I immediately paid my " missed payments '' in full. XXXX was willing to admit fault on their part to the extent that they refunded all late fees but they said they were unwilling to remove the negative marks on my credit report. 

This is seriously affecting my future and I feel I was intentionally misled by XXXX. I 've talked to a total of four different XXXX representatives, during the last week of XXXX XXXX and the first week of XXXX XXXX, and none have been willing to help me remove the negative marks from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX & Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} This complaint is my follow-up to ensure that the listed accounts are fixed as soon as possible
Product: Debt collection

I have disputed with Equifax on numerous attempts to delete this account -- instead they continue to update my account and verify it as accurate. it is totally impossible for them to verify the account with the inaccuracies it has. 

As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. 


XXXX XXXX XXXX Account Number XXXX
Product: Checking or savings account

On XX/XX/2023 my mom sent me a wire transfer for XXXX. She went inside XXXX XXXX and sent the wire directly with the manager and both their signatures. The wire was successfully send and was deposited into my chase bank. I manage to withdraw XXXX from my account before chase froze my funds and account. I called in to see what the issue was and chase told me that XXXX recalled the wire transfer and that they had to be sent back. Today is XX/XX/2023 and chase still has my funds totaling XXXX sitting in my account. I went inside my branch chase in XXXX Texas on XXXX and spoke to XXXX who was the Manager at this branch. He helped me call in to the fraud department and they asked me a bunch of questions and also told me to submit documents proving that my mom sent the funds. I did what they had ask and they came back and told me they would send me a check for the total amount of XXXX and I would be expecting it in 5-8 business days. I went back into the branch today because it has been way past the deadline and XXXX told me the wire department wont release my funds and I ask why and he wont give me an answer. His exact response was the fraud unit cleared the check but the wire department denied it, you have to go to XXXX to get your money back. I ask him why would I go to XXXX, when Chase has my money? At this point its been almost 3 months and chase wont give me back my money. Ive already contacted a Banking attorney and will take legal actions against chase.
Product: Credit reporting or other personal consumer reports

I have an existing dispute with Experian about XXXX late payments reported in my credit report. Experian for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXX I sent the XXXX consumer agencies a letter stating the law and to remove those XXXX late payments. I also sent a letter to XXXX XXXX regarding the same issue.