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

XXXX, XXXX XXXX dealer services & US DEPT OF EDXXXX has reported Incorrect information on my report : wrong name, wrong address, & fraud. Of which they were paid in full.
Product: Mortgage

Bank of America refuses to provide lawful information pursuant to the Fair Debt Collection Practices Act to validate a debt. Further, they continue to harm my name by reporting this information to Privately Owned credit reporting companies. Bank of America was asked specifically to provide the following information:XXXX A statement admitting whether you are the holder in due course or whether you are a servicer. 
XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
XXXX. The XXXX number under which my loan was securitized to. 
XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account TN DEPT OF HUMAN SVCS 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint formally regarding my ongoing disputes with XXXX, XXXX, and Equifax related to identity theft. Despite my best efforts, these credit reporting agencies have failed to address and resolve the issues on my credit reports accurately. 

XXXX has removed some incorrect information but continues to report inaccurate accounts. When I sent a debt validation letter, they repeatedly claimed the information had been " verified, '' but they have not provided any method or proof of how this verification was done. Similarly, XXXX has issued the same response without offering clear validation or supporting documentation. 

Equifax, on the other hand, has shown a concerning lack of action in addressing my concerns. Instead of promptly investigating or removing the inaccurate information, they have sent me three copies of my identity theft rights without taking any further action. 

Across my credit reports, XXXX, XXXX, and Equifax are reporting inaccurate information, even regarding the accounts listed below. The dates, names, account numbers, and activity associated with these items are all incorrect. 

I have evidence of my identity theft, the disputes filed, and the lack of resolution. I respectfully request that the CFPB review my case and play a crucial role in ensuring that these credit reporting agencies fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

If this matter is not handled quickly and adequately, I will be looking for compensation for the damages caused by the continued reporting of inaccurate information on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Galt Ventures / Speedycash Garnished my check today XX/XX/XXXX for a debt discharged in chapter XXXX Bankruptcy. 

The debt is for {$840.00} and they garnished my check for {$480.00} Certificate of notice by the XXXX District of Washington was sent to the creditor on XX/XX/XXXX. 

I have contacted XXXX  as well as the Law Office handling the garnishment last week as well as today. XXXX  is refusing to help and the law office, XXXX XXXX XXXX, notified me via phone on XX/XX/XXXX that they acknowledged the bankruptcy and would stop the garnishment. That has yet to happen
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and noticed that incorrect accounts on my report please remove these accounts from my report they are hurting my ability to to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX ( late payment ) -- EQ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX  with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX XXXX XXXXXXXX with a bal. of {$260.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these inquiries removed or have anyone from Equifax contact me about the status of my concern. Here are the inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It looks that my credit history has been corrupted. Again, I was going through my documents and discovered numerous stuff that did not belong to me. Since I'm a stickler for research, I discovered that under section 605b of the FCRA, 3 credit bureaus are compelled by law to remove any things discovered to be fraudulent owing to identity theft. The disputed things do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I open a business account with this company and I'm wanting to get it {$10000.00} limit on a credit card to start my business they're only offering me {$3000.00} I was even willing to take just {$6000.00} just to get up and running but they're refusing to give me any of that only willing to give me {$3000.00} and I told them I need more than that to get started refusing to give me any more credit. Also my account should be eligible for a lot more than any of those totals under the bill of change act and the type of account I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but Equifax and XXXX has continued to state its accurate. Under the fcra guidelines, once XXXX bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC XXXX states I have the right to privacy 15 U.S.C 1681 SEC 604A sec XXXX. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623
Product: Debt collection

A rental property manager and collection company for a landlord made collection attempts. A debt verification demand was sent and the collection company listed repairs done on property. A specific demand for receipts and invoices were repeatedly demanded and the collection company has failed to respond. Almost two years have passed and the derogatory credit reporting concerning this matter still remains on consumers credit reports.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest. 

If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above. 

We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed. 

I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that  matter. 

I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete. 

l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives. 


I can provide all email exchanges.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sending this complaint to your company because theres multiple loans opened in my name without my authorization, permission or consent to obtain goods ( identity theft, fraud, error etc. ) LOAN XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. After contacting Affirm on my behalf, the following personal information on file to create Affirm account is XXXX XXXX as legal name, phone number is ( XXXX ) XXXX, email address is XXXX, and billing address is XXXX XXXX XXXX, XXXX TN XXXX XXXX. The personal information isnt mines and doesnt belong to me. Please read additional information attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fraud Transfer Act ( XXXX ) and Regulations XXXX These actions have caused significant inconvenient financial loss, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had a Macy 's credit card that was opened XX/XX/2015., Macy 's, originally, had my correct address number ( XXXX ) but at some point, Macy 's had changed my address number to XXXX without my knowledge. I never changed my house number with Macy 's and not sure how this change occurred. Because of this issue, I did not receive any notification of a balance I need to pay off. As a result of Macy 's negligence of improper reporting of my account, the account was charged off. As soon as I found out about this issue, I paid in full.
Product: Debt collection

XXXX XXXX XXXX XXXX is on my credit collections that I have no knowledge about this charge on my credit report
Product: Debt collection

I have called the company twice in XXXX and yesterday to have them stop calling me as I have no debts to settle. They were asking for another person but my number was listed for that individuals. They leave voice messages and repeatedly call. 

I asked to have them take me off their call list. 

Zwicker and associates law firm for debt collection.
Product: Credit reporting or other personal consumer reports

XXXX continues to work with Wells Fargo Bank in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both XXXX and Wells Fargo Bank has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to get XXXX information removed from my consumer account. 
I have spoken with the XXXXXXXX  clerk and I was informed that they DO NOT per the Privacy Act of 1974 provide information to third party creditors at all!! I did not give written or verbal authority to report this personal information to my consumer report. According to Law, I need these and all XXXX  Reports removed from my consumer account within 4 days.
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 XXXXXXXX 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 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: Prepaid card

I purchased a American Express prepaid card from XXXX on XX/XX/XXXX at XXXXXXXX XXXX. I attempted to make a purchase on XXXX on the same day a few hours later, and it didnt go through. I did research about this and others experienced the same issues. 

At around XXXXXXXX XXXX  on XX/XX/XXXX, after attempting to make other purchases both online and in stores and having them decline, I called the AE customer service. 
At XXXX I was forwarded to someone who asked me about info on the card. He told me he verified the card and to wait 24 hrs and try to repurchase the same XXXX item, and around XXXX today i tried it again and it still didnt go through.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Report act XXXX XXXX # XXXX ( XXXXXXXX XXXX XXXXXXXX ) & Account # XXXX ( XXXX XXXX XXXX XXXX ), has Violated my rights. 

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

16 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: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime Bank Account XXXX was fraudulently opened in my name at XXXX MST XX/XX/23. My email was used for the opening on the account which is how I was alerted. All of my credit is currently locked. This account never should have been opened by chime. Chime never should have opened an account when my credit is locked with Fraud alerts. This is a massive breach in consumer trust and how do I keep them from opening more accounts if they ignore the freezes? When I spoke with chime they did not seem to care that they opened the account with locked credit. Consumers can not protect themselves if institutions blatantly ignore the rules. 

Address listed on the Direct Deposit form was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can send over all email chains in relation to this item. The account has been closed as of XX/XX/23.
Product: Debt collection

Linebarger Goggan Blair and Sampson continues to not only violate the multiple cease and desist notifications submitted to them via mail and certified mail but they continue to ignore documentation remitted. 

6BH attached was traded in for 8ek over 2 years ago they state there is no record of such however the DMV states otherwise. 7SG attached paperwork this vehicle was transferred in title to a 3rd party and has not been my legal responsibility for years as multiple documents are on file with DMV and also confirmed.

The other one has an account as this moment no issues and is pay as you go. Everyone I know that gets these notifications has the same experience shady. They will disappear for 6-12 months after you respond then come back with some astronomical fee for a disputed balance the tolls are {$3.00} but they are attempting {$2400.00} scam artists. 2 of the 3 are not even mine the 3rd lives no where near the points in question Since you cant seem to adhere to my request Ill send it here as well below DISPUTE ABSOLUTE DISPUTE CEASE AND DESIST