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

Below is the response Ive received from Equifax regarding an ongoing dispute for an account that was open fraudulently, Ive provided all supporting documentation and still havent had my issue resolved, this is ridiculous and Im planning to sue Equifax and all parties involved! I personally feel like Equifax have been operating against consumers fraudulently and their multiple data breaches are the reason why Im a victim of identity fraud to begin with. It also took them longer than 30 days which is obviously another clear violation of the FCRA : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : CARD ASSETS, A XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : FIRST TECH FCU WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX. With XXXXEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The 3 Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have been buying and selling XXXX  for 3 years now, and am a member of a group on XXXX. Recently I was looking for a particular breed and someone suggested contacting XXXX XXXX XXXX, which I did. They said they could send me XXXX XXXX  for {$220.00} and this included shipping. I was asked to send it via XXXX ( which is through my bank PNC ) to a XXXX XXXX ( the breeder ). I did this and then the " breeder '' contacted me later in the day ( via XXXX ) that he was at the post office getting ready to ship them to me, however, the post office was requiring an additional {$150.00} for insurance & crating ( which was going to be refundable after they were delivered ) and then {$110.00} for vaccinations. None of this was a red flag since these are normal requirements. The red flag happened once the " shipper '' contacted me via email and stated I needed to send an additional {$490.00} in order to get the XXXX  into Ohio. NEVER have I had to do such a thing, so I told them to cancel the shipment. I then XXXX  the breeder and told him to refund my money or I would file a complaint. I also contacted PNC to let them know I had been scammed, however, they refuse to refund my {$490.00} because they said I knowingly send those transactions. PNC now has the 2 emails that I sent the transactions to marked as " fraud/scam accounts '', but they still refuse to reimburse me even though I unknowingly was being scammed. I don't feel asking for my {$490.00} back is unreasonable since I thought I was involved in a legal deal. I didn't know any of this was fake until I started researching the phone numbers, emails, breeder facility, etc. All of these things came back stating that they didn't belong to any one person or company. PNC told me that because they couldn't get the money back, that I would have to accept the loss. I do not agree with this at all. I kept all the messages the breeder sent me, along with all the transactions and messages from the shipper. Obviously this person or persons knew the right things to do in order for me to believe I was dealing with a legit breeder, so I don't feel this was my fault. Going forward I will heavily research anyone else I deal with since this apparently is a new thing - scamming people on XXXX  sites!!
Product: Credit reporting or other personal consumer reports

This is formal notice that you have failed to respond in a timely manner to my dispute Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

On from filing it date XX/XX/XXXX with the complaints about on XX/XX/XXXX of XXXX I requested for an investigation do be done on the accounts provided below. It is now XX/XX/XXXX and I have still not received any information regarding to my disputes I have kept meticulous records of all communications sent. 

With my understanding that the FCRA requires credit bureau 's to respond within 30 days of notice of the investigation. With this being said they have failed to do so and are in complete violation. I want all accounts listed below to be removed from my credit report due to the blatant violation to the FCRA. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX as agreed on time I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX BANK XXXX XXXX Account Number : XXXX
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 opened XX/XX/2022 in the amount of {$330.00}, 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 inaccuracy.
Product: Credit card

There are actually 3 companies involved. 1 ). Chase Bank Credit Card services. 2 ). XXXX ( online vendor for XXXX XXXX. 3 ). An afflilate of Chase that they only describe as a " 3rd party service provider. 

I signed up for a credit card " bonus offer '' on the Chase card website for 10 % off a purchase including groceries from XXXX for up to {$10.00} ( or a max {$100.00} purchase ). I signed up for this offer by clicking the link given. The offer showed an offer ends date of XX/XX/XXXX. 

I completed the offer on XX/XX/XXXX by charging {$91.00} on XXXX for groceries. I picked up the groceries on XX/XX/XXXX to complete ALL offer terms and deadlines set by Chase and XXXX for this offer. The charge showed up on my Chase account for several days as pending on XX/XX/XXXX. Then the charge completely dropped off my online account activity on the Chase site for a couple days as if no charge was made at all. Then a couple days later, a new charge showed up for {$91.00} on XX/XX/XXXX, even though the charge was made, and the items received on XX/XX/XXXX with no future changes planned or unplanned. 

No bonus was paid. I complained to Chase twice. In their second response, they stated that the bonus wasn't paid because of the following INCORRECT reason : " Sometimes a merchant will charge your card on a date after you make a purchase, such as shipping, delivery or installation date and as a result the purchase may not post to your account until after the end of the offer. '' I picked up ALL of this order on the deadline date of the offer and I provided them with website receipt proof. Also, nowhere in the offer terms does it say that the vendor can change the date to whatever they feel like, possibly to get out of these offer payments. The offer end date is therefore functionally meaningless to the consumer at best, and false advertising or fraud at worst.
Product: Debt or credit management

XXXX XXXX XXXX XXXX this is in direct violation of 15 U.S.C 1681 ( 4 ) Right to privacy, information must be deleted. 28 U.S.C. s 1452 removal of claims related to bankruptcy cases.
Product: Credit reporting

I have notified Transunion of the XXXX XXXX - Acct # XXXX that is reporting on my credit file. This account is either not mine or is inaccurately statused as included in bankruptcy. Please remove this account from my credit file.
Product: Debt collection

Received letter from a collection agency about a debt of XXXX that was fraudulently charged in my name on XX/XX/22. I called the crediting company and filed a complaint The original creditor is XXXX XXXX. 
The current creditor is XXXX  XXXX XXXX XXXX The collection agency is superlative rm
Product: Credit reporting or other personal consumer reports

Disputing for 5 months & requested to please have all currently reporting late payments removed from trade line until they can produce statements. 

*Explanation of how they seem to think black mail is acceptable. Especially when it is negatively affecting someones personal credit report.

*this is an identity theft account plus stellarfi still hasnt produced a statement from merchant regarding alleged payment from XX/XX/2023. 

*falsely reporting 90 day late payments from an alleged payment they claim to have made on my behalf in XX/XX/2023 XXXX!!!! 

*Requested to stop membership fees, remove linked bank account. 
Requested a statement from said company that stellarfi has paid on my behalf. 
Explanation of why stellarfi continues to deposit money into my linked bank account and then asking for it back? 
Explanation of what this company does exactly?. 
Explanation of how & why the membership was reopened in XXXX without my knowledge or authorization? 
Please stop destroying my credit scores. Please I have emailed begging stellarfi to stop as a good faith gesture considering the circumstances. 
-unable to produce statements -identity theft -mathematically reporting false information
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. 

XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

What Happened? 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Checking or savings account

XXXX {$1000.00} XXXX {$450.00} There are other transactions, that has happened just about every month. There are funds being deposited from my Chime savings account that are automatically put into other banks through a " Sweeps '' program that I did not ask or sign up for. When I call Chime services they tell me they don't know what I am talking about and hang up on me. There is over {$2000.00} in missing money. I need help retrieving those funds.
Product: Checking or savings account

From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings. 
At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017. 
They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point. 

I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.
Product: Money transfer, virtual currency, or money service

Money sent via XXXX thru Chase bank account. Sent to wrong phone number in error. Bank denied the claim and refuses to refund the money.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that i do not recognize.
Product: Mortgage

Huntington National Bank was the holder of our FHA Mortgage when we sold our house at XXXX XXXX XXXX XXXX. They held an escrow account for us. 

When we sold the house and used the proceeds to pay off the mortgage, we overpaid by {$2500.00} on the balance ( due to an automatic withdrawal for the monthly mortgage payment ) and our escrow account had {$5300.00}. We were told that two paper checks would be mailed to our new address ( since we had moved ) within three weeks. 

The checks never arrived, so I called Huntington Bank in XXXX to find out where they were and have them re-issued. The mistake was that they had been mailed to the address of the home we had just sold, despite being provided our new address. We are unsure why they did not get forwarded to us by the USPS. 

So, we waited three weeks and we only received the {$2500.00} check from them, which we were grateful for, but we then called them in early XXXX to have the {$5300.00} check reissued. 

We waited three weeks for this and nothing arrived. So, we called again - it had gotten stuck " in the process '' and was never mailed. So, they reissued it, and we waited three weeks, and when we received it, it was again the wrong amount of {$2500.00}. So I called in the middle of XXXX to have the {$5300.00} check reissued again. 

It is now the middle of XXXX and we have again received another copy of the {$2500.00} check. I have called Huntington Bank to have them find some other way of getting us this money. They refused to a wire transfer or some other electronic money transfer because we do not hold a bank account with them. After requesting to speak to a supervisor, I was placed on hold for over 30 minutes - at which point I hung up. 

Please help us get our money - we need this.
Product: Student loan

The original company that did my two private student loans transferred all of their loans to First Marks Services. Since the transfer has happened my loans were put under the wrong status, as in one of loans said I was in repayment while the other said I am still in school. I am still in school. It took four phone calls and over a month for them to fix this issue. This month I paid the amount that my bill said was due XXXX. My payments are due every XX/XX/XXXX of every month. This month was no different, the website I make payments on told me my amount due was XXXX due by XX/XX/2017. I paid that exact amount several days early on XX/XX/2017 and I look at the website again today on XX/XX/2017 and they have added more money XXXX that they said is due this month by XX/XX/2017. The customer service is of no help and they have yelled at me and hung up on me. I have called 3 times in the past hour and have been hung up on 3 times. They only called back once. The only thing they say is that I should not have made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.
Product: Debt collection

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.
Product: Credit reporting or other personal consumer reports

American Honda Finance XX/XX/XXXX {$630.00} Late Payment was Submitted XXXX Progress Credit Card XX/XX/XXXX, XX/XX/XXXX Late payment was submitted In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXXXXXX - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- ( LIVE any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; XXXX XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : I sent a certified letter to Transunion requesting they verify the bankruptcy report on my credit report. They responded that the information was verified by XXXX. XX/XX/2020 I sent a letter from the court and confirmed that the bankruptcy was not verified by XXXX and removed from my credit report. I sent a copy of the letter from XXXX and the courthouse to Transunion m, so they would remove the inaccuracy. Transunion did not remove the information and is refusing to reopen investigation.