23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) by not conducting a proper re-investigation nor providing me with the proper documentation to validate that the state tax lien in the amount of {$2500.00} that is listed on my credit report is being reported accurately. 

My original correspondence dated XX/XX/2016 requested that Equifax validate this information with the XXXX County Recorder of Deeds and obtain any documentation that would prove this information was valid. Equifax response dated XX/XX/2016 indicated they verified the state tax lien and listed the address and phone number of the XXXX County Recorder of Deeds only. I followed up with a second correspondence dated XX/XX/2016 requesting from Equifax a full description of the steps they took to validate that the state tax lien was indeed being reported accurately. I specifically requested they provide the names, addresses, and telephone numbers of each person contacted at the XXXX County Recorder of Deeds office whom they alleged validated this lien. Once again, Equifax response dated XX/XX/2016 listed the same information from their previous correspondence listing the item was verified as before. 

On XX/XX/2016, I contacted the XXXX County Recorder of Deeds and spoke with XXXX to verify if the state tax lien Equifax was reporting was being accurately reported by their office. Not only did she inform that I do not have a state tax lien, but also that the XXXX County Recorder does not report liens to the credit bureaus nor verify the information reported by third-party research firms are accurate. I promptly sent a third correspondence dated XX/XX/2016 informing Equifax of their inaccurate reporting, negligent validation methods, and requested they remove this blatant inaccuracy from my credit report. Equifax responded on XX/XX/2016 stating the information was verified through a third-party vendor named XXXX. 

Please note that, as in XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; and XXXX, the courts stated that verification can only be attained from a party with first-hand knowledge. A third-party vendor such as XXXX does not have first-hand knowledge and as such is considered hearsay and hearsay inadmissible and incompetent and does not constitute verification. 

As you have witnessed, Equifax has willfully and blatantly violated the Fair Credit Reporting Act ( FCRA ) on multiple occasions with regards to my request for them to validate the state tax lien they are inaccurately reporting on my credit report. They have been irresponsible in the way they have conducted the re-investigation and engaged in deceitful practices that the court have deemed inadmissible and incompetent.
Product: Debt collection

On XXXX me and my wife filed a Charter XXXX on US Bankruptcy Court with Case No. XXXX, then by XXXX US Bankruptcy Court given us the " Order Discharging ''. First Bank of Puerto Rico was part of the " Secure Creditors '' with 2 Auto Loan Accounts, both Autos where delivered to them. 

After more that 3 years, First Bank of Puerto Rico still continuing reporting that we have a debt. Last reported was on XXXX XX/XX/XXXX where they reported two Auto Loans as a " Collection/Charged off Account '' on XXXX  and by XXXX XX/XX/XXXX and XXXX XX/XX/XXXX they reported the two same Auto Loan as a " Collection/Charged off Account '' with XXXX. 

I had tried too many times to resolve this OLD issue, I have called them and also through these 2 credits bureaus. They have told me that they will not change nothing because is the way that they do in Puerto Rico. 

These 2 error have impacted negatively my Credit Score creating higher interest loan for my Auto and my House that I just bought, also I have had some Credit Card decline applications. 

Please need your help to fix this immediately. 
Thank you very much!
Product: Credit reporting or other personal consumer reports

I've checked my Experian credit report and XXXX XXXX finance credit card balance has not been updated. Balance should reflect {$180.00} Please have this updated as this is critical to my credit utilization.
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, has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.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 believe that the information is inaccurate.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.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 believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Residential Dispute was not properly investigated or handled. I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report
Product: Mortgage

I was informed by my XXXX insurance provider that my premium was increasing, so I decided to switch to another company that offered a more affordable rate. Following my new insurance company 's request, I contacted my mortgage company to inform them of the change. They assured me that they would reach out to the previous insurance company, which was still listed as my current carrier in their records, and inform them of the switch. Furthermore, they mentioned that they would forward the unused portion of the insurance money I had already paid through my escrow account. 

However, I later received a letter from my mortgage company stating that I had been without insurance for the past year. They informed me that they had contacted the insurance company listed as my XXXX insurance and discovered that I had canceled my policy last year, implying that I had been uninsured. Naturally, I was quite concerned and questioned my mortgage company about this revelation. I asked them who they had been paying from my escrow account if I didn't have any insurance, and why I hadn't been notified about the situation. A whole year had passed without insurance coverage, and I hadn't received any communication from my mortgage company regarding this issue, leaving me vulnerable to potential accidents or unforeseen events. 

To my surprise, I recently received a letter giving me a mere 10 calendar days to pay the outstanding amount for insurance that I didn't have and hadn't been paid for by my insurance company. It turns out that my mortgage company had not made any payments to any other insurance company from my XXXX  account, except for what they believed to be my insurance provider. Despite the lack of coverage, they are now demanding payment for insurance that I didn't receive. This situation raises questions about why I should be responsible for paying for insurance when I already have coverage through my new insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that Veterans United is not A Lender Veterans United is A insurance company this month I got A call from Veterans United XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and Veterans united lowered my credit on purpose I want no more communication from this company or phone calls I have blocked Veterans United from my phone and unsubscribed from all future emai
Product: Credit reporting 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 : Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX. Dept of EducationXXXX : Account Number : XXXX, XXXX : Account number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : Account XXXX, XXXX XXXX XXXX  Account Number XXXXXXXX XXXX  : Account Number XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.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 believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I bought a XXXX card for XXXX. XXXX sent a picture of the delivery made to an open parking lot and provided a message that the item was left in a secured mail room as per usual. After contacting XXXX I was told it was their mistake and I should be refunded. 

I then bought a XXXX XXXX card thinking I would be refunded soon. When it came time to refund me, XXXX requested a police report. After providing a police report, I was still denied a refund. I was told to wait XXXX XXXX. I informed them I would be moving forward with a chargeback from my bank. I still called after XXXX XXXX and told them if they refunded me I would cancel the charge back. I was given a XXXX ticket saying I would be contacted. I never was and closed my accounts with XXXX after I called and was again refused a refund. 

The initial XXXX was denied. After XXXX rebuttals the investigations dept sent me information regarding the purchase I made on the XXXX and not the XXXX. I was forced to reopen a new case. After about a XXXX my claim was denied on the XXXX of XXXX. I requested info on why it was denied. I was sent XXXX pages of a blank XXXX from Chime and no reason as to why I was denied. 

I called Chime and requested to speak to a XXXX. XXXX, let me know that the evidence I issued to Chime ( *see documentation ) was not considered in the investigation. He concurred with XXXX other XXXX that this is a clear-cut case of non-receipt of goods and services. He submitted a rebuttal with special notes for the investigation team. The rebuttal was denied because Chime needed new evidence to process a rebuttal due to their policies. I called Chime again and spoke with a XXXX named XXXX. He also concurred that this issue is non-receipt of goods and services. My XXXX rebuttal was denied again. No reasons or merchant evidence provided and no path to resolution.
Product: Credit card or prepaid card

Dear CFPB : Previous complaint : XXXX CFPB closed this complaint and XXXX 's has not done what they promised. 

In fact, I just learned that they again submitted the fraudulent account they created to collections. 

As stated in complaint XXXX, XXXX 's tricked me into opening a second XXXX  's account. I had a XXXX  's account for many, many years. They pretended to need to update information so that I could get a coupon for immediate use at the checkout desk. What they really did was open a second XXXX 's account. 

They then sent this secondary account to collection which DECIMATED MY ALMOST PERFECT CREDIT RATING. 

After promising to remove the incorrect information from the credit bureaus, they have now AGAIN SUBMITTED TO COLLECTIONS THIS SECONDARY ACCOUNT THEY FRAUDULENTLY OPENED. 

These people are criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. To date I have receive no notification from Equifax that my personal information was mishandled. According to new reports, Equifax discovered this breach 6 weeks ago and made no effort to inform their customers or the public of this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. As a result, I will have to bear the burden of this risk for many years to come. 

They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. So far I have had to pay {$10.00} each to XXXX and Equifax to apply a credit freeze to my records - an immediate cost to this consumer as a direct result of how poorly Equifax protected my personal information! It 's pretty clear that Equifax has learned that they can make money no matter what because no law or agency is looking out for me.
Product: Payday loan, title loan, personal loan, or advance loan

For the second time their app crashed and they took money for orders that didnt go through. Theyre saying I have to wait 7-14 days for nearly {$200.00} to be released back into my bank.

The customer service is non existent. They wont provide links to my rights or an escalation process. They dont see any issue with waiting 2 weeks to get money back for goods they didnt order, the issue is their app crashed and they take the money before they process the order so theyre leaving customers without access to their funds and they have zero customer service to help people. On my last order that had an issue I was told if I contact the bank for my money back they will restrict my Klarna account so theyre forcing customers to take risks with whether they get their goods with no safety of customer service help that doesnt come without threats of losing your account. This time theyre refusing a manager or a copy of the escalation process and at this stage its not okay with me that theyre taking money and offering financial services if they dont have reasonable customer service or processing to protect the consumer so I dont care if they restrict my account, this isnt okay, they dont have my orders because their site crashed and the orders didnt go through but theyre holding nearly {$200.00} and refusing to help. This is really immoral.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport ( Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the company. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims.
Product: Credit card or prepaid card

I mailed a check for {$1700.00} to Comenity Mastercard on XX/XX/2021 to pay off a balance. On XX/XX/2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the amount, I placed a stop payment on the check and paid the card balance of {$1700.00} online. At this point the card is at a XXXX balance & I think I am done with Comenity Mastercard. 

On XX/XX/XXXX, Comenity Mastercard attempted to apply the {$1700.00} check to the account & charged me a {$29.00} fee returned check fee on an account that was at a zero balance. I called the customer service line, explained that the card was already paid in full when they tried to apply the check amount, that I had already paid a {$29.00} stop payment fee to my bank and that it is not fair to charge me a fee for a card with a zero balance. 

After speaking with 3 people, two claiming to be supervisors, the consensus at Comenity is that I should have let the check I presumed was lost in the mail be paid to whomever and then request Comenity to send me a refund for any over payment. 

I was also told that Comenity Mastercard must pass on charge back fees from their bank to customer ( because I am sure their profit margin can not absorb a {$29.00} fee ) even though my account was at a XXXX balance and I have no choice but to pay them an additional {$29.00}.
Product: Debt collection

I was checking my consumer profile when I noticed this alleged debt from a company named CCS Collections on my XXXX report, So attempted several times to dispute it and of course, it came back verified, This was last year some time, So I looked up the company and found out that according to XXXX XXXX XXXX, They are not registered and have no license to even attempt to collect a debt from anyone let alone from the state of XXXX, So I reached out to them to dispute this alleged debt and the several violations of my consumer rights. The first XXXX is I the consumer don't owe this company anything and I never gave the original furnisher written Permissible Purpose by law to sell, publish or report any of my personal information to any third-party reporting agencies so that would be identity theft, Aggravated identity theft according to 18 USC 1028A . Secondly transactions according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), 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 ; about this alleged debt. 
My last attempt was me reaching out to the address I found online CCS Collections XXXX XXXX XXXX, XXXX MA XXXX I don't even know if its a real location or a virtual address and I sent out this letter XX/XX/2023 to that address
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion this is a request as to why my credit score went down when I made a payment to decrease the total, please explain to myself and the CFPB. is this because Im in dispute with you, please respond in a certified testimony for I may file a court case against you for Subterfuge of this report CFPB this is a way to manipulate consumer credit and financing, I can not see a clear reason for lowering a score when paying down an account, CFPB please investigate this reporting