23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from EQUIFAX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Creditor has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan that does not belong to me on my report. The company reporting it is Santander.
Product: Debt collection

DIVERSIFIED CONSULTANT XXXX has called me many times stating i will get a arrested if i do do n't pay this debt that i do not owe. they evn told me they had a cop outside my house as we speak,, They have called my work phone n my house phone and even harassed my XXXX XXXX XXXX daughter when she answered the phone. i was told i would go to jail if i dont pay this debt. This debt was for XXXX. XXXX is the one that cancelled my contract due to me not ever having good service and calls dropping constantly. I complained each month. I returned all XXXX cell phones and paid my last bill i was told i would not owe a thing and now XXXX has sold this made up debt to DIVERSIFIED CONSULTANT and they wont stop harassing me. They have this debt ob my credit report as being opened in XXXX 2015 which is false that inaccurate information.
Product: Debt collection

CBE group has been calling me through multiple numbers. When I answer they disconnect the call. I can not get through to anyone. I have no outstanding debts in collections and they need to stop contacting me and my family.
Product: Debt collection

I continue to get inappropriate calls from Creditors Bureau Associates of Georgia after I have made numerous electronic payments to pay towards and/or settle the medical debt owed. The agency continues to call requesting sensitive information ( i.e. social security number, mom 's last name, etc. ) after I have requested them to send me information via mail. My payments have been returned after two attempts to pay. I have also called and received inappropriate attitude from the collections specialist after I repeatedly explained that I wanted to pay the debt owed based off my financial capability. The specialist offered to settle the payment and I accepted based on the conditions that the settlement is sent to me in writing ( via mail and email ). To date, XXXX XXXX, 2016 I have not received a letter or email. So, to continue showing that I want to pay the debt, I continued to make payments and the company continues to return the payment. I have sent written correspondence to the company stating that I have only afford to pay them a set amount of {$25.00} a month on a medical bill that is less than {$1000.00}. 
I am still receiving nonstop inappropriate calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I most my job due to the pandemic. I called barclay and let them know immediately, I also told them i have a new job. Because of the small gap in employment ( had to wait for a security clearance ) and the next pay period, I was worried that my payment would be late. The representative told me she made a note of it and I would be penalized. 
I made my payments on time and when I went to pay this month the main page of the barclay site said I missed a payment. I checked my checking account used to pay bills and To my suprise the new job direct deposits were not when I was told they would be causing return of payment of XXXX. I spoke with a supervisor today named XXXX and he told me I was charged XXXX in fees and reported 60 days late because the payments was returned just before the XXXX when the card kicks into the new cycle date credit limit. The rep told me shed notate my account and I wouldnt be penalized for a late payment because I lost the first job due to the company sizing down from the pandemic. Please help Im afraid Ill lose my security clearance for the new job due to the negative credit ratings my new job is more than enough to crash things up and Im trying to catch up from when there was a break in employment. I plan to be able to make large payments in the next three weeks Ive never been late and this is truly hurting me
Product: Debt collection

This debt has already been paid via my federal tax returns being garnished for the past 15 years, as well as my paychecks being garnished. The initial debt was {$3000.00} for XXXX XXXX training. I am now XXXX years old and retired and this needs to stop!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate items attached to a bankruptcy that is no longer reporting to my file : XXXX XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX   XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), 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. 

Equifax has been malicious and bold in these matters because they have not been sued enough. I fully intend to pursue any and all remedies available to me ...
Product: Credit card

Hello, My name is XXXX XXXX, I would like to report a dispute decision determined by the Chase credit card department over a fraudulent transaction that happened XX/XX/year>. 
While attending the XXXX XXXX in the stadium in XXXX XXXX XXXX, XXXX, I bought a small water bottle from XXXX of the stadium vendors- using the tap payment system with my Travel Chase credit card. I did not have cellular internet, so I did not receive a text charge notification from the bank.. When I returned to the hotel, however, I noticed I was charged {$800.00} at XXXX XXXX XXXX in XXXX, a city far from where I was. I reported this claim back when I returned to the XXXX ( XX/XX/year> ). The Chase dispute center stated that this charge was valid because I had received benefits ( in the form of a plastic water bottle ) in exchange for the {$800.00} charge. Needless to say, I have never visited the city of XXXX or the bakery shop that charged my card. Due to the language barrier and dysfunctional cellular services, I could not contact the bakery. 
I have communicated with the Chase fraud department multiple times to explain the issue, but in return, I received emails stating that this transaction was valid. When I called Chase 's Executive line, XXXX explained that the fraud department tried to contact me, but because I have not responded, it had been past the XXXXday review date, and they can not help me anymore. Of note, the phone number Chase called me from is listed as spam and was automatically silenced by my phone. When I tried to call the number left on the voice message, I was unable to reach a representative. I asked I continued to escalate the matter with XXXX and asked her to share all the information when they unsuccessfully tried to contact me, yet they have yet to share it. 
To summarize the entire process : 1 ) I reported the fraud in a timely manner 2 ) Chase stated that {$800.00} at a bakery in XXXX did not constitute fraud because I had received a water bottle hundreds of miles away in XXXXXXXX XXXX XXXXXXXX in exchange 3 ) I called Chase multiple times and was unable to discuss the case After giving me the run around for months, Chase is now saying that their final decision regarding this charge is valid because 90 days have passed 4 ) Chase failed to forward all documents requested by me. 
Proof of Chases lack of goodwill and integrity is that they dismissed the fraudulent charge from the beginning under false pretense, as it is obvious to any individual who learns the case that this was indeed a fraudulent charge. This and Chase other subsequent moves were aimed at discouraging at first, and ultimately at dismissing its customers legitimate concern. Chase knowingly colluded to reach a decision adverse to its customer.
Product: Debt collection

Credence and XXXX : This is the third time Ive submitted the fraud packet and included a police report file number. Ive now had to file 2 different reports with 2 different police agencies. I have submitted the information as requested and have provided proof that Ive been with XXXX XXXX XXXX on a family plan for 22 years ( 1997, when I turned XXXX ). Ive never had service with XXXX and when I originally dealt with this, XXXX assured me we had no business and they closed the fraudulent claim. How it has been resurrected, an invalid and fraudulent claim, is beyond me.
Product: Debt collection

Chapter XXXX Bankruptcy filed XXXX XXXX This was discharged-XX/XX/XXXX, Public Info on the credit reports state to be removed XX/XX/XXXX. 
Initial Loan was thru XXXX XXXX as second mortgage, XXXX XX/XX/XXXX, last active XX/XX/XXXX. Payments were made to XXXX by the court starting XX/XX/XXXX til XXXX XX/XX/XXXX. I remember receiving a letter from the court concerning this account but dont remember the contents. Amt {$5200.00}, Int {$1000.00} paid by Court to  XXXX. Started seeing Greentree on credit reports, then it became DITECH. An XXXX credit report dated XXXX XX/XX/XXXX showed info as being DiTech and charged off XXXX XX/XX/XXXX. " Date Major Delinquency First Reported was being XX/XX/XXXX ''. I believe they manipulated the date by " backdating '', or " re-aging '' to report this account longer as then it justifies them to continue to do inquiries on my credit reports as a creditor. According to a credit report by XXXX dated XX/XX/XXXX they requested information dated XXXX XX/XX/XXXX. I received a letter from DITECH, dtd XX/XX/XXXX, " this communication is from a debt collector '' at the bottom. Today, my husband received a call from XXXX, per websites, that this is a collector from DITECH. We are both now retired, age XXXX and drawing social security. Lost home thru foreclosure. SOL is 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do no belong to me, please block and remove per 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX   XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX  XXXX not NVR Mortgage Company. I have requested for NVR to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Product: Money transfer, virtual currency, or money service

I was trying to send a Friend {$50.00} and I sent it to the wrong person and her cash tag is XXXX XXXX. I tried to cancel it but I didn't receive my {$50.00} back. I keep emailing cash app people that I just want my {$50.00} back into my account, that I don't want to send it to no one. They keep saying the same thing over and over again, who was you trying to send it too. And I keep telling them that I just want my money back into my account that I dont need it sent to no one cause I just ended up driving over to my friend house to give them {$50.00} so I dont need it sent to no one. Just put my money back into my account. They just keep saying the same thing over and over. They wont even answer my questions either. I even told them to call me and they dont even do that. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account continues to be reported as a charge/off when account was not a charge off. Account was paid in full and not charged office. Letter has been sent to credit agency who continues to report wrong information.
Product: Debt collection

I continue to get debt collection notices from CACH , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I have repeatedly told them they have the wrong person! Pursuant to my rights under federal debt collection laws, I requested in many certified letters that CACH LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' I want them to decease letters to my residence of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX They only verified name and address and started sending notices. I am not XXXX, my birthday is not XXXX/XXXX/1950, and my SSN is not XXXX. Stop the harassment and compromising my identity and credit.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Teletrack consumer credit report sent to me via mail.
Product: Debt collection

On XX/XX/2022 I received a call from Source Receivables Management about an alleged debt to XXXX. I verified my identity with the agent. I advised that I had an updated address which I provided, then I advised them that any communications going forward needed to be in writing only and that they were welcome to send me relevant documents so that I could determine if the debt was in fact mine. On XX/XX/2022 Source Receivables Management called me again. The agent told me that if I didn't pay the debt that it would be reported to credit agencies. I stated again that I was only to be contacted in writing and that I needed to examine the evidence. The agent stated that 3 previous companies had attempted to collect the debt and if I was unable to determine with them that the debt was mine that there was little chance of me getting new information. The agent was rude and demeaning. I called the agency back and spoke with XXXX who again attempted to get me to make a payment. She stated that the company was aware of my request to be contacted in writing only, and that a letter was sent to me on XX/XX/2022, but likely was not received yet. As of this writing their letter has not been received.
Product: Credit reporting or other personal consumer reports

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX XXXX 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 told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due XXXX. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.
Product: Debt collection

Radius Global Solutions. has called me several times about a business debt that was apart of a bankruptcy. This bankruptcy information was sent to the original creditor. Radius global has used tactics like text message group chat with other people I have not been affiliated with in over 10 years. This company is using threatening and intimidating tactics to collect on a debt.
Product: Prepaid card

I received 2 AMEX gift cards totaling {$200.00} and {$50.00}. Neither card is accepted online or in-person. Each time, the card reader just says not authorized. I would like a refund mailed by check for the balance please. Thank you for your help!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I XXXX have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX