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

I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of XXXX XXXX/violation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.
Product: Mortgage

I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #.
Product: Credit card

I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more.
Product: Prepaid card

XXXX Received a Vanilla Gift Card XXXX XXXX ending in XXXX as a gift. Confirmed card balance on company website at {$50.00}. 
XXXX Cardholder attempted purchase using the above card. Card declined after attempting to use card for a transaction at XXXX XXXX in XXXX GA. 
XXXX Phone call to XXXX spoke to cust service agent. Explained that cardholder transaction did not go through for purchase at XXXX warehouse earlier in the day. Customer service agent stated that purchase must be for the exact amount on the card or card would decline. Customer Service agent stated a replacement card was sent via XXXX XXXX  and would arrive in 3-5 business days. 
XXXX Phone call to XXXX spoke to cust service agent who stated a replacement card was sent via XXXX XXXXXXXX and would arrive in 3-5 business days. 
XXXX Phone call to XXXX spoke to cust service agent to inquire about a tracking number for the XXXX XXXXXXXX parcel and was told that there is no tracking number for the card replacement parcel. 
XXXX Phone call to XXXX spoke to cust service agent " XXXX '' who stated a replacement card was " expedited '' via USPS and would arrive in XXXX business days. 
XXXX Phone call to XXXX spoke to cust service agent " XXXX '' who stated a replacement card was sent out and would arrive in by " the weekend '' ( XX/XX/XXXX ).
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 3 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 be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 
XXXX XXXX  Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX  Inquired on XX/XX/year>, XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Fraud Victim Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern : I am a victim of identity theft. The information listed below is showing on my credit file, but it is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Factual Data Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX SSN : XXXX D.O.B XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As usual, I had an incredibly horrible experience with TransUnion 's absolutely awful offshore support chat team. They are horribly trained, have horrible managers, and seem to not understand the language. I understand that TransUnion continues to come back with " Thank you for this feedback '', but they do nothing about this. They clearly do not care about clients. Latest chat is ID XXXX, with the manager XXXX, who took forever to respond to basic issues, did not understand anything, then continued to defend his rep, XXXX, and would not provide a complaint number. XXXX, who is clearly not managed well, was asked 4 times to repeat what I asked, could not, and refused to transfer me to a manager until I mentioned the CFPB. I'm sorry but, TransUnion, this goes beyond incompetence. You don't care about improving your customer support and this is all corporate greed. 

Regarding my question, I generally asked if TransUnion can confirm if they received a report from a bank within their XXXX reporting timeline. As an example, my bank, XXXX XXXX XXXX, stated that they sent a report but it has not reflected yet. It was reported less than XXXX days ago. I am simply looking to confirm that you received it, nothing more. If you can't confirm, I'd like to know why as your company should be well aware of what has been received.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 

XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, Section 605 ( h ) ( 1 ). This section ensures the accuracy of consumer reports, including the personal identifying information reported by credit reporting agencies. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and this disputed the item may not appear on my credit report if it can not be supported by any evidence or proof. Please remove the following items from my credit report, immediately. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax regarding an account that should not be on my credit report, as it was paid in full and agreed to be removed via the orignial creditor. This dispute was submitted at the beginning of XXXX of 2018 and has taken longer than 30 days to resolve. 

Account Name - XXXX XXXX XXXX Issue : Balance paid in full, agreed to be removed from credit report after resolved via original creditor. 
Credit Reporting Agency with dispute : Equifax.
Product: Debt collection

I tried to terminate my monthly membership with XXXX XXXX after only going to their location ONCE in XX/XX/2021, but was unable to get in touch with anyone, or perform any processes online that allowed me to do so. 

They continued to keep fraudulently charging an expired XXXX card, I had to issue a stop-payment order to even get them to stop, as they had already charged several hundred dollars to my account without my knowledge. 

I attempted to call their phone lines dozens of times, waiting on hold for hours before being disconnected. I was never able to get in touch with any people to resolve anything. 

In addition to this, I never received any notice in the mail from anyone about any attempts to collect debt ( illegitimate or not ). I never provided my social security number to XXXX XXXX, nor did I authorize them to continue charging me for a service I was no longer using, and had long cancelled via my cardholder 's stop-payment order. 

Suddenly, a mark appeared on my credit report, which is detrimental for me as I am due to purchase a car soon, which is how I found out about this. I never received any notice in the mail of any kind informing me of an impending collections action, nor any phone calls.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On ( XXXX ) I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit ie ; XXXX XXXXXXXX, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXX XXXX  mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores TransUnions failure to uphold consumer protections under the FCRA.
Product: Debt collection

My apartment leasing company XXXX XXXX submitted this to their debt collection agency without allowing me to make payments. 

The debt collection agency refuses to also help may payment arrangements. 

Both XXXX and I Q Data have laughed about the fact that this will go on my credit report and do not care about helping. 

IQ Data representatives have harassed, hung up on me and threatened to ruin my credit.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I closed a PayPal prepaid debit card account that still had funds in it but PayPal told me that an account can't be closed if it's still contains funds but when I call PayPal about the funds that were in the account they're telling me it was closed after being told that it can't be closed because it has funds in it. There was only XXXX in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : 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 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 card or prepaid card

I had a discover card that went unpaid to to becoming XXXX I recently paid and settled the account with a collection agency who o never had an account with. I also spoke to someone at discover. Its really strange that the sent me a check if I owed more than what o settled for. If Im forced to get and attorney I will.
Product: Checking or savings account

On XX/XX/2019 my checking account with Navy Federal was compromised and an ACH transfer in the amount of {$2500.00} was completed without my knowledge or authorization. As soon as i was aware of this i reported this to my bank and created a claim which was submitted on XX/XX/2019. I was informed that within 10 business days i would be contacted by an investigator who is working on the case. It has since been 13 business days and i have not been contacted by anyone from the organization. After following multiple times and again today XX/XX/2019 i was told that they are just backed up and no one will be able to give me any updates or a time frame of when my case will be completed. They've acknowledge that it is past the time that an update should've been provided but can't give me one. I was told that i will not hear from anyone until this is completely resolved, i still have bills and financial obligations and not knowing when to expect this to be resolved is causing lot of grief and stress to my family. I need to have an update or to be sure that the case is being worked. The funds were transferred to a XXXX XXXX account and they have the information. I don't know what else they are waiting for. I'm unable to speak to manager when i request one so this is my next step to ensure that something is being done to resolve this. I'm not having a XX/XX/XXXX this year but hopefully this can be resolved soon so my family can at least have a XX/XX/XXXX and avoid eviction.
Product: Credit card or prepaid card

I paid American Express credit card in full XX/XX/XXXX. Amount {$3000.00}. Due date was XXXX XXXX. It was paid by XXXX XXXX. In XXXX XXXX they sent me a statement for additional interest for {$44.00}. Now, due to penalties and interest it is up to, I think {$280.00}. Their policy states that if it is paid in full by the due date, no additional interest will be charged. I contacted Amex XX/XX/XXXX, disputed the charge and closed the account and cut up the card. They closed the online account and I can no longer view statements. I sent them 2 letters and had 2 or 3 additional phone conversations. I also filed a dispute with the 3 reporting agencies .... to no avail. I had the account for over 7 years and was never delinquent once. They do not explain their inconsistencies and continue to send me emails or letters with inconsistent information. I paid off 13 credit cards in XX/XX/XXXX and American express is the only one to do this. ( I typed my phone number in wrong. It should be XXXX. My cell is XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I canceled my Internet service with XXXX and physically returned the router to their office location in XXXX XXXX, IL. The account was paid in full, and the agent on the phone and at the store assured me that no money was owed. On or about XX/XX/XXXX, I received a " disconnection notice '' and bill for {$350.00}. I filed a complaint with the XXXX. XXXX responded by stating the matter was resolved and the account reflected a XXXX  balance. XXXX also stated that they reached out to the collections agency ( Convergent Outsourcing ) to delete the collections account on XX/XX/XXXX. However, on the same date, the collections agency added another collections account for the same XXXX account on my credit reports. I received a letter from the collection agency on or about XX/XX/XXXX. They stated in their letter that they did not have this collection file. To compound this matter further, on XX/XX/XXXX, the collections agency added a second collections account to my credit files. There are now TWO instances of collections accounts for the same XXXX account from Convergent Outsourcing. XXXX is not returning my phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car dealerships shopped my credit around without my permission. The credit bureaus are reporting false information and it's hurting my chances of attaining lines of credit. I did not authorize any of the accounts. I did not give anyone the okay to use my information to attain credit. 
Under XXXX5 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 agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt 15 U.S.C 1692B : Acquisition of location information
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing a Notarized affidavit, Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I reached the standards for Blocked and Removed information on my credit report under 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by EQUIFAX. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete these inquiries and accounts immediately! 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX  {$1800.00} XX/XX/XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX  {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2700.00}
Product: Debt collection

I asked for a couple of accounts to be verified by XXXX and they have yet to verified the accounts {$710.00} LVNV FUNDING XX/XX/XXXX XXXX {$450.00} XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I called Capital One credit card twice on XX/XX/2020 to find out what kind of financial assistance programs they are offering so that I could close my account and enter into a long-term payoff plan. I have credit cards at XXXX and XXXX XXXX in which I am enrolled in long-term payoff plans in which interest was reduced, in one case with XXXX I am paying zero interest, and no late fees for either card. XXXX XXXX offered two options, including a one year zero interest plan or a 5 year pay off plan. Captial One is only offering one month deferrals, so I got a 2nd deferral. This is not meaningful assistance and I believe the Capital one knows this. They earn more interest with a deferral so it benefits them. They also refused to refund a late fee in which I made my payment 10 days late, because they had refunded a late fee in XXXX. Both late fes occured during the pandemic. So they are in no way trying to work with their customers and are not offering any kind of financial assistance program. Payment deferrals are to their benefit. On my statement during the one month deferral, the interest charged was higher on the same balance. I have attached those 2 months of statements. The representatives on the phone are trained to say that they are here to help, yet can not offer any help.