23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022, I had a charge on my XXXX  card for {$160.00} @ XXXX XXXX hotel, I called the credit card company stating I did not revived any services from this hotel when I arrived at this property it was unsafe & the room was rigged with unauthorized surveillance equipment illegal I said Im not staying at this property but the the property still charged my account. I complained to my credit card company which closed that credit card account & reissued a new card to me & they said the problem was resolved & I would be getting my refund immediately if not by the end of the billing cycle which was XX/XX/2022. Never received my credit on my account
Product: Credit reporting or other personal consumer reports

Equifax was informed to remove unauthorized inquiries from my credit report in a CFPB complaint XXXX that was submitted in XX/XX/XXXX, and they failed to remove the inquiries listed on the FTC report XXXX Please remove the following unauthorized inquiries : XXXX  XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX
Product: Credit card or prepaid card

I informed Bank of America that my wallet had been stolen and that I had unauthorized credit card charges on my secured credit card. They had taken the charges off but put them back on there. I have no problem paying my bill, but these are not my charges and I did not give my credit card to anyone. This is effecting my credit rating and I do not know what to do and need your help. I would like to pay my bill but I will not pay for charges that I did not do. Thanks in advance. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I 've applied for a checking account wi th Discover four times now, and each time I was denied. Discover is refusing to tell me why, and refers me to   XXXX   XXXX  .   XXXX   XXXX   has no information to provide me, and refers me back to Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Product: Payday loan, title loan, or personal loan

In XXXX, I transferred the balance owed to a no interest credit card. I took the amount from my personal page right down to the penny and transferred the entire amount. Now, they're trying to tell me I still owe {$64.00}. I told them to come back to me with aXX/XX/XXXX balance or I would report them.
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 and Equifax 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I 'm a single mom with XXXX young children and I 've paid over {$60000.00} for the place I 've been renting for the last XXXX years and it 's now in foreclosure. The compressor on my air conditioner blew on XXXX XXXX and when I contacted American Mortgage Investment Partners, the company handling the house for XXXX Bank, they said they do n't take ownership until XX/XX/XXXX so they wo n't do anything until then. The managing partner, XXXX XXXX, told me to pay for it myself or go buy a fan and wait it out. I will not buy an air conditioner for a bank! Please repost!
Product: Debt collection

I did n't receive a notice that it was being sent to a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of dispute with Equifax, one of the major credit reporting agencies, regarding inaccuracies on my credit report. On XX/XX/XXXX, I initiated contact with Equifax concerning the following incorrect information, but to date, they have not provided a response. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Inaccurate Information and Required Corrections : The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Request : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Request : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Request : Please remove it from my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Request : Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account is frozen. And two year Equifax frozen my data information. Now I need the help with banks to trust me and including to build my credit alway been denied for no reason ; cause no fulll report. Is give for acknowledgement for accuracy and Veriification. Including with their billion of people data breach which am included. Could notified cause they would not have change my mailing address. It is so sad Equifax is too proud of what they are doing not humble. Seeking for help to resolve this. If only am wealthy I would love to sue them for first class action. Thank you
Product: Checking or savings account

I submitted a fraudulent claim .do to my account being in the negative.they credited the account .but later said I owe it back .after I cancel my card and told them about the situation.moving forward I called in to check on my claims .the agent did proceed to file another claim that I have already made.and the negative balance went up again .and they completely close my account.they want fix the situation.and I cant open a account with a negative balance of a XXXX some dallars.
Product: Credit reporting or other personal consumer reports

I have no affiliation with these XXXX  and did not initiate these inquiries. Kindly proceed to promptly remove them from my XXXX XXXX
Product: Debt collection

I mailed the following letter on ( XX/XX/2020 ) to The XXXX XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. I had made the necessary rehabilitation payments, and provided the collection agency with the receipts, agreement, and contract. I included tracking with USPS to verify it was received by the dept of debt management, yet they deny that I made any payments. The letter is as follows : " To whom it may concern : I am writing the letter to request a hearing for my rehabilitation agreement with Pioneer Credit Recovery. I completed the rehabilitation program, and have provided copies of : The signed agreement The 9 payments made and received ( as per the MYEDDEBT.ED.GOV site ) Any correspondence Pioneer Credit Recovery sent to me ( receipts, etc. ) However, after completing the rehabilitation program ; the status of my loans never changed, thus making me ineligible for Title IV aid. I would like to have a hearing with someone who is independent of the Department, so that I may present my objections regarding the amount/existence/status of my loan. 
Should you have any questions, or would simply like to touch-base, please do not hesitate to contact me at ( XXXX ) XXXX or by e-mail at : XXXX. 
Warm Regards, XXXX XXXX '' I mailed the documents ( see  attached USPS receipt w/ tracking number )
Product: Vehicle loan or lease

In XXXX through XXXX of XXXX I contacted the Company ( Honda Financial Services ) to make a payment of the arrears for approximately {$1600.00} ( the call was recorded for quality assurance and training purposes ). The company refused payment during a global pandemic. Subsequently, repossessing my vehicle ( XXXX XXXX XXXX XXXX XXXX ). They are aware of a XXXX and XXXX accommodations and are violating the law. I have requested several times to have this information removed and I am seeking further assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up response from my original complaint with CFPB # XXXX Thank you CFPB for your help in this matter however, if you check the date with Equifax this complaint was filed XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of Equifax to respond. I had no choice but to file a complaint with the CFPB. 

According to the FCRA Law under section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As you can see Equifax clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of disputed letter sent to Equifax on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXX/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 NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been getting at least 5 calls a day from this company and they are leaving more than one message a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted many times to request all credit reporting companies remove an old/inaccurate debt from my credit and all agencies have denied this. I started college at XXXX XXXX in XXXX. I applied for a private student loan with a family member in XXXX from XXXX Bank ( 2 of them ). I got a private student loan, and I graduated in XXXX. I was never billed for this account, I never applied for any deferment, I included both accounts in my XXXX XXXX bankruptcy and indicated that they were private student loans, not federal student loans, and my grandfather passed away in XXXX ( co-signer ). My XXXX XXXX bankruptcy was discharged in XXXX as indicated in my credit reports. I was granted a full discharge of all requested debts. I notified the credit agencies, and these accounts initially disappeared then reappeared. I was denied the right to have it removed. I sent my discharge to all creditors, including this company. Still, they refused to remove the debt. The debts clearly indicate they were opened in XXXX, but falsely indicate they were " charged off '' in XXXX and XXXX. No attempts were ever made to collect on these debts and no payments were made given it was discharged. According to WA and OR law, all debts including private student loans ( written contracts ) are outside of the statute of limitations after 6 years. Furthermore, at the time I resided in Missouri when these loans were disbursed and their statute of limitations on " promissory notes '' as used in the case of these loans is 3 years. 6 years past XXXX when the initial debt was created is XXXX, 6 years past when I graduated is XXXX, 3 years past when I made the debt is XXXX, and when I graduated XXXX. It is now XXXX, which is 8-12 years past when these loans originated and when they were due. Keeping these debts on my credit is against the statutes in each of these states and they indicate false information.
Product: Credit card

I discovered that on XX/XX/XXXX and XX/XX/XXXX there were several purchases on my daughter and I 's joint Chase account that were fraudulent. I knew immediately that the charges were not hers because she has been in XXXX studying abroad since XX/XX/XXXX. The charges were made in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, as well as a couple of other cities. Neither of us has been to any of the places. Thus I filed a claim with Chase. They opened an investigation and credited the charges back to the account, but several days later I saw that they " reversed '' the charges. When I inquired about why they said that they couldn't prove the charges were not legitimate .... 
I said I don't understand why since I can certainly prove that my daughter has been in XXXX since XXXX and that charges made on the card which reflect that fact. They said sorry but I had no recourse... 
This was obviously unacceptable to me. So I am reaching out to you for help to resolve this issue. 

Thank you in advance.
Product: Credit reporting

I am filing a complaint against Equifax and the creditor Voluntune for defamation of my credit. 
on XXXX/XXXX/2015, I discovered the creditor XXXX has been reinserted into my credit profile. 
The credit bearu is required to notify me within five ( 5 ) days of reinserting a prieviously deleted item. I did not recieve any such notification. 
I have requested Equifax to delete this item Immediately from my credit profile. 

I am ready to file a lawsuit against the creditor for reinserting the preivously deleted item under the fair reporting credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.

Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation
Product: Debt collection

These are additional issues the attorney XXXX XXXX should have addressed before this claim was filed in the lower court : XXXX was sent a billing error notice, 1099-c and requested they send me a copy of the 1099-c and 1099-a also a true bill, they refused. XXXX fraudulently made several loan accounts under my name. when i notified them and questioned XXXX about this finding they fraudulently reported to the IRS for a tax write off and sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX off of Lloyd & McDaniels, PLC who, then turn around and is now Sueing under fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax XXXX and XXXX reporting inaccurate information which i provided police report and id theft gov. report this is in violation of the cra must remove inaccurate infomation
Product: Checking or savings account

On XX/XX/year> I took a cab to take me home in the early hours of the day. The cab driver charged me {$180.00}, an outrageous amount for only XXXX miles. I paid it thinking that the bank would protect me, I was wrong! The fly by night cab can not be found and " XXXX '' the entity as the payee given to me by the bank doesn't exist
Product: Credit reporting or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/year>, XX/XX/year> were all on time. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/year>, XX/XX/year> were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards, XXXX XXXX