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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!
This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Mortgage

XX/XX/XXXX - received summons of lawsuit from the county with an issue date of XX/XX/XXXX stating I have 30 days to defend my property. 

Spoke with the Essex Mortgage representative, XXXX. XXXX stated there were two payments made - one in XX/XX/XXXX and another in XX/XX/XXXX. 

XXXX property taxes due. Current balance is {$1900.00} and unpaid.
Product: Payday loan, title loan, or personal loan

I took out an XXXX loan in XX/XX/2019 with a payment of around XXXX every other week. I did miss a payment in XXXX which the company in turn increased my payement to XXXX. I have paid over XXXX on this loan already and when I asked them about a settlement to get me out of this they said that I needed to pay XXXX to clear the debt today or continue paying the XXXX for the next 14 payment ( which is over 2600 )
Product: Debt collection

On XXXX XXXX XXXX XXXX around XXXX, someone came to my front house door and asked for XXXX XXXX XXXX myself ). She handed me a paper that appears as a complaint for monies due with an apparent case number, however, when researching the case number with the court and the so-called attorney 's office, nothing came back favorable. This leads me to believe this " complaint '' is fraud and someone is misrepresenting themselves as an attorney to collect on a past debt.
Product: Credit card or prepaid card

This complaint is in regards to claim XXXX. The transactions were made via XXXX XXXX in XX/XX/XXXX, during the height of the pandemic and prior to me ever recieving or activating my prepaid XXXX checking account. I filed the claim in XX/XX/XXXX and my account was frozen due to suspected fraud. I never requested or recieved any of these funds. The first reason I was given for my claim being denied was that it hadnt been filed in a timely fashion. I requested a reconsideration which was also denied, and despite being legally obligated to do so, Bank of America refused to provide me with any information/documentation that was used in making their decision. In XX/XX/XXXX, I recieved a letter from B of A informing me that I could request that my previously denied claims could be re opened as they XXXX have been subject to being unfairly and or prematurely denied in error. I decided to reopoen my claim and faxed several documents, including a police report and documentation from CA XXXX to support my claim. Unfortunately, all of my efforts have been in vain as this, and several other claims Ive submitted still remain unressolved. My only point of contact, the B of A prepaid claims dept have been kind but are entirely incapaple of assisting me which has been incredibly frustrating. Finally, I would like to note that I contacted XXXX XXXX on numerous occasions and finally received some relevent feedback from a supervisor named XXXX. He stated that no funds could have been collected at the XXXX XXXX XXXX branch in XX/XX/XXXX because they were not open to the public at that time due to the Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent letters to Equifax asking them to investigate an account from XXXX/XXXX, as of XX/XX/XXXX, they failed to respond to my request as to how they verified this account. 

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when it will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries 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: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a end consumer credit car plan as late for any purpose.
Product: Debt collection

In XXXX of 2020, I received a credit alert When I checked my credit report I saw that I had a collection account from Collection Associates XXXX XXXX XXXX, XXXX, WI. On further investigation I found that they also operate as Collection Associates LTDXXXX XXXX XXXX XXXX , XXXX , WI XXXX. When I first disputed this account it came back as verified, I have never had an account with this company nor who they say they are collecting for. I have not received any notifications in the mail nor phone calls about this debt it just showed up on my credit reports. I contacted the XXXX  and Collection Associates response was that they don't have an account with me. Which is untrue because they are on my credit report. They also operate with two different phone numbers one being ( XXXX ) XXXX and the other being XXXX. I found this out by a class action lawsuit that was filed against them ( XXXX v Collection Associates LTD ). The PO Box address is the one listed on my credit report, the street address is the one I filed a complaint with the XXXX  and Collection Associates claim I didn't have an account with them. I believe they are giving consumers the run around by having two different addresses and phone numbers so that we can not complain and just give up.
Product: Credit reporting

i filed a complaint and dispute over 30 days ago, I recvd paper stating my final report after investigation. the same creditor are still on there which some are over 7 years old, and are not mine, I have had id thieft 2 times in the last 10 years. I just want my my credit worthiness back, im XXXX and I need life insurance., my credit report is false my accts are being sold to collection agencies over the last 15 years, and some cases are the same creditor on there twice, but with different amount.
Product: Debt collection

XX/XX/XXXX, XXXX ( they call Monday - Saturday ), I have requested that they stop calling me at my work number, because I am not allowed personal calls. They constantly call using a automated voice. I have requested that they communicate with me via postal mail services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 a transaction for {$290.00} was posted to my Square account in which I'd subscribed to for my business. Only after the transaction took place was there a hold placed on my account or all transfers were suspended. This taking place after a previous transaction of a mere {$25.00} was released to me after being held for 2 weeks in order to have my bank account verified. Were they to have suspended the first payment or frozen my account at that point, I wouldn't have a complaint ; or had they made me aware that all further transactions would be suspended until they were able to validate the legitimacy of my business at that point. Unfortunately for me they lead me to believe that my account was set up to receive and transfer payments from that point on. I had in fact received another {$2.00} payment in the midst of my bank account being verified which was also released to me upon bank verification. Why would they have allowed two payments to go through and be transferred only to turn around and place a freeze on my account once a payment of almost {$300.00} hits the account? It's my belief that the Square company doesn't intend to release the funds to me but in fact plans to delete my account and seize the funds as I've heard rumors they are apt to do. Why not verify the legitimacy of the business BEFORE you allow them to perform transactions instead of waiting until AFTER there are funds in the account?
Product: Debt collection

I switched insurance from XXXX  to XXXX XXXXXXXX XXXX. The policy with XXXX was on auto pay. I canceled and informed XXXX. They wanted proof which I provided even though I was not required after cancellation. I have disputed this many times as I paid in full for the time the policy was in place. Ive disputed this many times with only excuses to try to make me pay the debit. This should be removed
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This account just appeared on my credit and I have no knowledge of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute, it came back verified by XXXX XXXX. I contacted lexis nexis and they have no information regarding the information that the credit bureaus said it was verified. Its also been longer than 30 days and I have yet to receive and response or updated credit report showing its been DELETED.
Product: Debt collection

I 've tried to cancel the membership based on a bad experience and I 'm not allowed to cancel it, I 've been to the establishment only once and they will not let me cancel and I fear for my credit report
Product: Credit card

Applied for a Chase XXXX credit card from the XXXX website in late XX/XX/year>. Offer was for XXXX XXXX points if spend {$3000.00} or more in first XXXX  months of opening account. Was only given XXXX points XXXX points and was told my offer was for XXXX and {$100.00} after {$1000.00} spent in XXXX  months. XXXX nor Chase has an offer like this that they advertised. Chase never informed me they changed the offer I applied for. There is also a {$99.00} annual fee for this card that I have already paid. Would have never applied for this card and paid {$99.00} for this offer that Chase has substituted for what I applied for. This is an obvious bait and switch by Chase and XXXX. All I want is what I was promised in the offer. Nothing more or less. Note the offer screen shot in the attachments is addressed to me by name.
Product: Money transfer, virtual currency, or money service

XXXX XXXX provided me with a refund and i explain to them what had happened. I was told that I would have to wait at least 3 days to get it. It never was sent to me. Both me and the store tried to get the money and was told that I would still have to wait. I talked to cash app and was told that I still have to wait. this last time I seen my money in the phone and the lady on my app could not give it to me, she did know how. I also told them that I wanted both cards closed. I did not tell them to give a XXXX XXXX XXXX a card that they can assed my credit card. They closed his account, and left mine open. My money was still on the card. When I check XX/XX/XXXX my money was still on the card, but some tried to assess my card, and everyone had said no. They Had even tried to get something from XXXX costing {$700.00}. I fill that if the account was closed this can.t happen. I have been sleeping with my card and someone was trying to buy while i was on the phone. 
I just want my money back from XXXX XXXX. And please do not give a XXXX a card connected to me. Card was d/c after they talked to me, but i never received my money from XXXX XXXX.
Product: Credit reporting

Complaint : I purchased a XXXX XXXX Air Fryer from XXXX XXXX XXXX XXXX XXXX XXXX which is supported by XXXX Bank. After having made XXXX flex payments on the XXXX payment I paid the total balance off bringing my account balance to zero. I have not purchased any other items. 3 months later I received a call from XXXX Bank / XXXX who stated that my account was now in a delinquent status and that I now owed {$170.00} in past due payments. After being transferred to different departments who all stated that I owned {$170.00}, even though I had previously paid off the balance. In order to protect my credit score I paid what was told to me that I owed despite the fact that I had paid the entire balance and requested that my account be closed immediately. Unbeknown to me XXXX Bank had reported to all XXXX of the credit burrows that my account had been delinquent, which has adversely effected my credit score causing it to drop XXXX points. 
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice. 
Both XXXX and XXXX have both cooperated however Experian continues to report this negative information on my credit report which continues to adversely affect my otherwise stellar credit history. I have recently received higher interest rates on purchases along with being denied credit due to Experian stance for not removing this from my credit report.
Product: Prepaid card

I had an unauthorized transaction take place for {$51.00} from XXXX on XX/XX/XXXX XXXX. To preface : I used to have a XXXX account but had cancelled my plan with them due to the horrendous service ( avoiding questions pertaining to plans, service outages/lack of service etc ) I was experiencing alongside a high phone bill ( Which was {$120.00} per month... not {$51.00} ). All in all I currently have XXXX as my cell phone provider and have a subscription/BALANCE with them and only them. 

I communicated with XXXX direct support in an effort to have a dispute in place yet they hung up on me 4 times upon my request. They had refused to acknowledge my concerns, and followed the same script each and every time. When I press questions and voice my concerns of the charge they say that no matter what they're unable to do a dispute. Their behaviors in ignoring my concerns, telling me that the charge will stay, and HANGING UP on me while I speak with them is horrible. 

My issue is with XXXX ( which is powered by XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX and Experian directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because Experian continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XXXX  to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.
Product: Vehicle loan or lease

In XXXX there was a purchase of a XXXX  XXXX XXXX from XXXX XXXX in XXXX. The dealership lied to me about the financing, added on a whole bunch of Products that I didnt ask them for, didnt include the taxes in the financing and ignored complaints I had about the vehicles safety and driver assistance systems which led to an accident. Then they sent me the title for the car and then turned around and claimed that I hadnt made payments and they charged in off on my credit in the amount of {$39000.00}. They had no physical id when the vehicle was purchased because I couldnt find my license and they didnt ask for proof of insurance which resulted in me driving the vehicle off the lot without insurance. I have the title for the vehicle and they do not, which means that they do not own the vehicle. I am listed as the owner on the title. They completely made up my employer on the credit app, Ive never even heard of the place they used for my occupation, I was unemployed at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX XXXX - CARES Act places special requirements on companies that report to credit reporting agencies if they provide payment relief due to coronavirus. I was provided payment relief from XXXX XXXX do to covid-19. The CARES Act law states that companies are not suppose to report late payments do to the coronavirus.