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

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.
Product: Debt collection

Today XX/XX/XXXX  Sunday started calling at XXXX, again at XXXX again at XXXX. This happens every Sunday once an hour up to XXXX XXXX. Also, other days of week 3-4 times a day. Then they also send emails.
Product: Debt collection

Hunter Warfield Inc [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Hunter Warfield, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Hunter Warfield has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Hunter Warfield promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Hunter Warfield to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Hunter Farfield , as provided under Section 616 of the FCRA. Done in good faith.
Product: Debt collection

Debt is form unpaid from an auto mobile accident in XXXX XXXX 2014 and the insurance is will pay but needs itemized bill and will not send them a bill
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 XXXXXXXX, XXXX XXXXXXXX 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 con
victions 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 card or prepaid card

LAST 4 WEEKS I HAVE PROBLEM TO USE MY BANK OF THE WEST MASTER CARD. 
I TRYED TO CALL MY BANK ALMOST 15 TIMES IN 4 WEEKS. 
THEY CHANGED CARD, BUT IT DOES NOT WORKING ANYWAY AND NO ONE CAN HELP ME IN BANK TO RESOLVE ISSUE. 
I ALWAYS HERE SAME FROM THEM CARD IS GOOD MY BALANCE IS XXXX AND I CAN USE THATCARD.
Product: Payday loan, title loan, or personal loan

XXXX often offers no interst if paid a certain date. I took advantage of these. My statement would generate on the XXXX of every month. Payments made that day for instance XX/XX/22 would not count for that statement period and they would charge interest even though a payment was made by the XXXX of the month. 

I did have a cash advance loan. I paid the amount in full about a week later in XXXX. XXXX would reallocate my payments in such a way to keep loans alive and to generate interest. There is no way for the consumer to direct the paymetns. They claimed you could with the chat feature but multple chats they did not So I was charge interest after payments during a billing cycle and fees for not paying during a billing cycle when I did make a payment within the cycle. I made payment for a statment dated XX/XX/22. XXXX made XX/XX/22 and XX/XX/22 were not counted as payments for the interst and fees charged XX/XX/22. This has occurred agaian and again. 

XXXX claims it takes two billing cycles for a payment to show. 

XXXX says synchoncity bank handles their payment plans but synchronity still advertsies XXXX
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MIDLAND CREDIT MANAGEM ( XXXX XXXX XXXX XXXX  ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Also, this account was not stated in the other Bureau. You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never requested for an extended fraud alert to be added to my Equifax, XXXX  and XXXX XXXX credit report. I do not want a extended fraud alert or any fraud alert on my Equifax, XXXX  and XXXX XXXX credit report.
Product: Credit card or prepaid card

I ordered some shoes from a small store, and it seems the price was to good to be true, cause i received a box, but it was empty, and had nothing in it, so i should be refunded for my order  XX/XX/XXXX Description XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX # XXXX Current dispute status is Dispute Date XX/XX/XXXX Status Updates
Product: Credit reporting or other personal consumer reports

EXPERIAN : SHOWING XXXX INQUIRIES XXXX. XXXX ' I DID NOT AUTHORIZED XX/XX/year> I ALL READY OWN MY HOME. 
XXXX XXXX XXXX XXXX I DID NOT AUTHORIZED XX/XX/year> XXXX XXXX XXXX, I DIDN'T AUTHORIZED XX/XX/year> XXXX XXXX XXXX XXXX, I DIDN'T AUTHORIZED XX/XX/year> XXXX XXXX XXXX XXXX I DIDN'T AUTHORIZED XX/XX/year> I SHOULD ONLY HAVE. TOTAL OF INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification that I opened a account with THD/CBNA. I have not opened anything recently
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a paid charge-off account on my credit report. was fully resolved on XX/XX/year>, yet it continues to be reported as a charge-off monthly. This practice is both inaccurate and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, particularly 15 U.S.C. 1681i, consumer reporting agencies are required to ensure maximum possible accuracy of information reported. Reporting a paid charge-off as an ongoing delinquency each month is a misrepresentation of the account 's true status and negatively impacts my creditworthiness.

Additionally, under 15 U.S.C. 1681c, outdated or incorrect information should not remain on a credit report if it does not reflect the account 's current status. Since the debt has been resolved, further reporting of this account as a monthly charge-off constitutes a violation of these provisions.
Product: Credit card

I purchased a mobile app from a company named XXXX XXXX on XX/XX/2022. Upon downloading the application I knew instantly that I would not be able to use this. I attempted to call the XXXX number listed on the sales info, but no one answered this phone. I attempted to call both XXXX and XXXX which were numbers I found for this company of the Internet. Neither of these phones were being picked up. I then called my credit card company, American Express, and disputed the charge. In Virginia, you can cancel a sale within 72 hours without a reason. Somehow, some way XXXX XXXX found that I disputed the charge and got American Express put the charge back on my card. When my credit card bill showed up and this charge was still there I called American Express irate telling them my dilemma and asking that this charge be removed and a second dispute was started. 

As of today, the money has never been credited back to my American Express account. 

I have emails from XXXX XXXX claiming that they have returned my money. 

I am now caught in the middle. XXXX XXXX says they returned the money and American Express said they did not. I want to know what I can do to move this to resolution before handing it over to my attorney where this will get real expensive for one or both of these companies. 

I am including emails I have from XXXX XXXX ( XXXX ) stating that the dispute was found in my favor and they have credited the money back. Of course, upon asking them for proof they say that this letter should serve as proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON-MAILABLE ADDRESSESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON EMPLOYER IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON NAMES REPORTED IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX PER THE FCRA XXXX AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my Date of birth incorrect. Besides not fixing the issue after all requested data was submitted, they also never provided who- what entity provided this misinformation? It had to come from somewhere after 60 years and I have requested who exactly is reporting this date of birth and no answer has been provided. Data came from somewhere and only equifax has it incorrect. I followed the procedures : NOTICE TO CONSUMERS : You may request a description of the procedure used to determine the accuracy.. 
I AM REQUESTING THIS from the above statement within the Equifax letter. Send that, instead of a stupid 5th request for my drivers license. Send me how you determined my wrong Date of birth. 
Besides correcting the wrong information, I am entitled to know the above on the procedure. How was my DoB determined and by whom? Name the source.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names and alias on credit report with all XXXX bureaus.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting

Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you
Product: Debt collection

XXXX XXXX has stated in XXXX that I am not responsible for this fraudulent account and that they would remove it from my credit and tell the debit collection agency, Transworld. Transworld is still looking for me to pay this fraudulent account which someone used identity theft. I have reached out to multiple government fraudulent sites and sent a lot of documentation stating this is NOT my account. I would like to get this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the XXXX data breach and all items should be blocked/removed until this investigation is complete.
Product: Debt collection

Upon checking my credit report i see that your company put this collection on my account after i asked for the debt to go back to the original creditor and after your company said that you guys was no longer handling this account. Now i am asking for compensation from your company do to your mistake. I am asking for your company to permanently removed this collection from my credit report. the original creditor agreed with me that this was a fraudulent account in my name do to identity theft. I was hoping that your company would keep your word by not putting it on my credit and yet your company did exactly that. I was also told by a representee of your company saying that you guys did not respond to my complaint and that the debt was gone be place on my credit report. I don't want this on my credit report i want the whole account removed from all credit bureaus.
Product: Vehicle loan or lease

Nissan reported my mom XXXX XXXX late on her auto loan account number XXXX. There was something wrong with her last payment and somehow they marked her late. My mother has never made a late payment in the 5 years she had the loan. How can they report her 30 days past due in XX/XX/2018 when the account is paid.
Product: Credit reporting

A company called XXXX XXXX called my home number approx. XXXX weeks ago stating " XXXX XXXX asked them to collect a ( fraudulent ) delinquent collection of about {$150.00} from something I bought at a XXXX store in XX/XX/XXXX ''. I told them I pay my cell phone bill in full, there is nothing ever on there indicating anything purchased at a XXXX store in XXXX. Can not remember last time I was in a XXXX store. And they asked if my new address was XXXX XXXX. I told them I continue living in the house I bought XXXX years ago at XXXX XXXX. My address has not changed, so whomever account resides at XXXX XXXX is not me. Told them I 'll get in touch with them within XXXX week. They said they 'd wait XXXX week. XXXX days later they were again calling multiple times each day. Within a week I sent them a letter requesting confirmation of " such transaction and the XXXX months verification billing statement XXXX claims they sent me ''. Which I never received, because I never went to XXXX to buy anything. I get a letter from Experian saying " we 're contacting you on your new address. '' When I downloaded my credit report I find - even with the {$30.00} I paid them for a security freeze to protect me from fraud - Experian let XXXX apply a fraudulent new address to my name. I tried contacting Experian on all XXXX available XXXX numbers, but its a loop of never ending extensions that no person ever picks up. I tried putting in my credit card number to see if my credit score changed, and they blocked me saying I have to contact them with multiple proofs of identity by mail with a personal check. I went to their Victim Fraud page, click their hypertext link for " U.S. Postal Services Website Government Services '' which leads me to " USPS Links : File or Page Request Not Existent ''. I called the Experian number for " Immediate access to or fraud resolution professionals '' and it did not connect to anyone. 
It appears their claim to protect consumers paying for a {$30.00} Security Freeze only freezes out the consumer who paid for the service, while fraudulent companies are permitted to post any fraudulent collection data, and illegally change my address with no contact on any of this from Experian until After The Fact, leaving the consumer to clean up the fraud.