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

Equifax and XXXX have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX  ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place SEE ATTACHED-
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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

Expirian and the three credit XXXX scores have really screwed me up on stupid XXXX far as credit
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 7 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting

I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax multiple times starting on XX/XX/year> about hard inquiries that were placed on my report that I did not have knowledge of. Equifax requested that I file a report with the FTC about the unauthorized inquiries.I filed that report and sent it to overnight to Equifax on XXXX XXXX The first report that I sent overnight to Equifax did not qualify because they said my address was missing and that was the only issue. The supervisor I spoke to said all other information was correct and I would only need to add my address and after that, it would take 4 days after receiving the updated report to remove the inquiries. I again sent the information overnight with my address added on XX/XX/year> with my address added. I contacted Equifax multiple times during the week of XX/XX/year> to make sure that the information was received and each time I spoke to someone, I was told after the updated information was received the hard inquiries would be removed within 4 days. I contacted Equifax on XX/XX/year> and again spoke with a supervisor. I was told that my information had been received and that my ID was not clear and that the date of the inquiries needed to be added to the report. My ID is on file with Equifax and was never told that it was not clear. I sent the report again with the dates of the hard inquires on XX/XX/year> by online and not by mail because I was told be a supervisor on XX/XX/year> I would not have to send it by mail again. Again I was told that it would take only 4 days to remove the hard inquires. This morning, XX/XX/year>, I received an email that my dispute was finished. The entire communication with Equifax, I have been told that this would not be a dispute but handled as identity theft and that all I need to provide was the report from FTC. The inquiries have not been removed and Equifax has not done what they told me they would do multiple times. I have included all of the reports that I provided Equifax and the report from Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from XXXX, XXXX, and TransUnion. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that XXXX, XXXX, and TransUnion fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being
Product: Credit card

America First Credit Union offers collision damage waiver ( CDW ) insurance coverage when a customer uses their XXXX XXXX XXXX  to rent a vehicle. America First Credit Union subcontracts this type of benefit to the subcontractor that goes by the name of XXXX XXXX XXXX. On XX/XX/year>, I rented a car from XXXX XXXX XXXX, XXXX, which I returned on XX/XX/year>. At that time the rental agency claimed a small damage to the vehicle and charged the equivalent of {$1300.00} for the damage, in addition to the charges for the rental. ( The total charge was the equivalent of {$2700.00}. ) The original figures in Swiss francs are clear from the paperwork that I received and that I submitted to Card Benefit Services with my claim for reimbursement under the XXXX XXXX benefit. Included in the total charges and documented in the paperwork is additional insurance to cover the car rental, including high deductible insurance for damage to the car. The damages claimed were far less than this deductible. This is obvious from the paperwork and from the fact that I was charged for the claimed damages on my XXXX XXXX XXXX XXXX. Inspite of this, XXXX XXXX XXXX declined to honor the benefit and refused to pay the amount due to me ( {$1300.00} ), using the obviously frivolous pretext that I had opted for XXXX that would cover the damage when I hired the vehicle.
Product: Credit card or prepaid card

On Thursday, XX/XX/2020 I went to retrieve my mail from the mailbox. I applied for the XXXX prepaid card online and was expecting it. It was in my mailbox along with a NetSpend prepaid card. 

I didn't apply for the NetSpend card and was not amused. I have sent an email to NetSpend to file a complaint. Under no circumstances did I knowingly or willingly apply for the NetSpend prepaid card.
Product: Checking or savings account

I opened a XXXX XXXX checking account with BMO Harris bank online on XXXX/XXXX/XXXX under its promotion - " Earn a {$200.00} bonus after XXXX qualifying direct deposits of at least {$300.00} or more within 90 days of account opening. '' I have long met the terms of this promotion given I set up a recurring weekly payroll direct deposit of {$300.00} into this account since account opening XXXX first payroll direct deposit came in on XXXX/XXXX/XXXX, and it has been coming in on a weekly basis ). Today, I reached out to the bank 's customer service department through its online message center to inquire why I had n't received the bonus, and I was informed that because I 'm " living out of our footprint you do not qualify for the promotion. '' However, this geographical limitation was never part of the original terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove A fraud alert. I was told it was remove weeks ago and it was gone for A couple days and then placed back on without my permission. 

equifax is causing me damages for not being able to access my credit. 

ive submited 3 forms of identiy ssn card driver license passport
Product: Mortgage

I need help with my mortgage payment. The taxes went up causing my payment to go up. Because of this, I can not afford my payment. I need my escrow to be spread out for a longer period of time or a lower payment. 

My income has gone down considerably. Please help me
Product: Vehicle loan or lease

Last payment of {$7000.00} was received by Southeast Toyota Finance SETF.com towards my car pay off amount as of XX/XX/XXXX. The account balance was confirmed as negative - {$26.00} with SETF.com on XX/XX/XXXX. When I double check my balance on SETF.com by XX/XX/XXXX, I've found new balance {$7000.00}. XXXX is stating that my last payment was reversed back to my bank account, but the bank confirmed that I don't have anything from the merchant. XXXX is refusing to provide any associated information such as return tracking number. I have the case opened with XXXX as well as with the bank for a week. It looks there is a fraud going on with XXXX. What is the next step? Thanks
Product: Credit reporting or other personal consumer reports

I'm a victim of the data breach and i would like all of the account from experian to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX XXXX Bankruptcy
Product: Debt collection

In used Care credit for a XXXX procedure for XXXXXXXX XXXX XXXX XXXX did not do the procedure. They sold my information to a collection company and they are harassing me for something I don't know. Im asking for the company to be removed off my credit
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXXXXXX XXXXCCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX.
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax ' s responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX - XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX
Product: Credit card

I am writing to express concern about the derogatory status reported on my Capital One credit card account ( opened XX/XX/XXXX, closed XX/XX/XXXX ). Despite the account having a {$0.00} balance at the time of closure and no further payments due, it appears that the account is marked as derogatory on my credit report. 

Key Dates and Actions : XX/XX/XXXX : The account was opened with a credit limit of {$400.00}. 
XX/XX/XXXX : The last payment was made. 
XX/XX/XXXX : The account was closed with a {$0.00} balance. 
XX/XX/XXXX : The account was reported with a derogatory status, but the exact reason for this status is unclear ( listed as Unknown ). 

Since I paid off the balance in full and the account was closed, I am unsure why this derogatory mark is still affecting my credit score. I would like clarification on the nature of this status, and I request that the companies involved review and correct any potential errors in reporting. 

Thank you for your attention to this matter. Please contact me if further information is needed to resolve the issue.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act by Experian Dear Sir/Madam, I write to formally lodge a complaint against Experian concerning the erroneous and misleading reporting of an account linked to Police and Fire FCU ( Account Number : XXXX ) on my consumer credit report.

**Factual Background** : - Experian has persisted in representing this account as accurate, notwithstanding my successful dispute with XXXX, which culminated in the removal of said account from my credit profile. 
- This inconsistency raises substantial concerns regarding the reliability and validity of Experian 's verification process.

**Legal Basis** : - Pursuant to 15 U.S. Code 1681i, consumer reporting agencies are mandated to expeditiously delete any disputed item that has been determined to be inaccurate or unverifiable. 
- The conflicting results from the same financial institution signify a potential failure in Experian 's compliance with the statutory obligations established under 15 U.S. Code 1681 ( a ) ( 2 ), which necessitate that consumer reporting agencies uphold standards of accuracy and integrity in reporting. 

**Impact on Consumer Rights** : The ongoing reporting of this inaccurate account has inflicted significant harm upon my creditworthiness and overall financial well-being. Such conduct contravenes the principles enshrined in the Fair Credit Reporting Act ( FCRA ), which underscores the necessity for fairness, impartiality, and consumer privacy. 

**Demand for Remedial Action** : I hereby demand the immediate expungement of this erroneous account from my Experian credit report. Enclosed, please find pertinent documentation from TransUnion that corroborates my assertions. 

I respectfully implore the Consumer Financial Protection Bureau to undertake a comprehensive investigation into the practices of Experian in this matter. I anticipate your prompt and thorough response to address my concerns. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX : They engage in deceptive business practices regarding membership fees and lines of credit. I engaged with this business for the purpose of obtaining credit building services and a line of credit. I was not offered the line of credit. I was instead offered a credit builder program advertised to cost {$8.00} a month. I paid {$10.00} for a first instalment for a credit builder loan which was to have 5 total instalments. I was anticipating monthly charges of {$8.00} for the membership and {$10.00} for the credit builder loan. 

10 days later they auto debited my account for {$99.00} which is a full year of membership. This was not disclosed properly nor did I authorise any charges for {$99.00}. Contact with the company is primarily through email. They claimed to have refunded {$90.00} and that would be in my account within 4 business days. It has now been over two weeks and I still have not received a refund of any amount.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus XXXX  in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX, XXXX XXXX, or XXXX XXXX. Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile.

I also noticed credit inquiries from XXXX XXXX XXXX XXXX, and XXXX XXXX that I have not authorized or given written consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Mc. ) 41 to equaTo customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:37 was untair and XXXX, as they did hot '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to ask for assistance in trying to regain online access to my Experian account. I had need to unlock a credit freeze on this account in XXXX XXXX. I had been using this online account for many years successfully. Experian did not accept my username and/or password that had always worked. When I tried to change the password, it required verification by text message but would not acknowledge my phone number that had been associated with the account or my wifes number. These are the only numbers that we have had for the last 30 years. I tried multiple times to get to speak to a person on the phone to get some help, but I was unsuccessful.The Experian website said if you were having trouble, you could submit a letter indicating the trouble you had along with some very personal information, including my Social Security number and my wifes Social Security number. There was other documentation that was required and I was advised to send it to a post office box in Texas. I have never heard back from them. As would be expected from time to time, I have need to unfreeze my credit and then being able to re-freeze it. Recently when I set up a new XXXX account, I had to do it in my wifes name because she had access to her Experian account .Any advice you could give me as to how I might reach someone to help me remedy this problem would greatly be appreciated. Thank you very much in advance for your help.
Product: Credit reporting or other personal consumer reports

EQUIFAX CREDIT BUREAU SAID THAT THEY ACCIDENTALLY DELETED AND REMOVED MY CREDIT CARD ACCOUNT FROM " XXXX XXXX XXXX XXXX 

1 ) I THEN REACHED OUT TO XXXX XXXX XXXX  AND THE SAID THAT THEYWILL REPORTING BACK THE FOLLOWING MONTH. THAT WAS OVER 6 MONTHS AGO AND STILL NOT SHOWING ON THE EQUIFAX REPORT.

2 ) i THEN REACHED BACK OUT TO EQUIFAX AND THEY SAID THAT CANT PUT IT BACK ON. WHEN I CHECKE
D THE EQUIFAX ARCHIVE IT SHOWED THAT IT WAS ON THE REPORT.

3 ) AT THIS POINT THE XXXX XXXX IS STILL BEING REPORTED ON THE OTHER XXXX CREDIT BUREAU ( XXXX XXXX AND XXXX ) PLEASE INVESTIGATE THIS MATTER. I HAVE LOST ABOUT 18 MONTHS OF ON TIME PAYMENT HISTORY. I AM VERY SADDENED BY THIS.
Product: Debt collection

On XX/XX/2023 I recieved a call from Citi XXXX XXXX regarding a car loan debt ( that's XXXX XXXX XXXX ) and stated that legal action was being filed unless I settled the debt. I spoke with XXXX who went over payment options. Stated that payment had to be made only through money order ( was a red flag now looking in hindsight ) and that if payment was not recieved over night legal action woudd take place.
Product: Checking or savings account

Someone faking my identity opened an account with Suncoast Credit Union online. Received a debit card in the mail on XXXX The credit union has already froze the account but it seems this can happen with other banks.
Product: Checking or savings account

I was wrongfully charged and i contacted cash app and then they told me that my dispute was denied and this merchant charged my card without authorization or valid reason for me to have this extra charge. XXXX XXXX has several online complaints of the same thing happening to them. I checked out of this XXXX on Saturday XX/XX/year> the next day at around XXXX in the evening I received a notification that they again at that particular time charged me another {$170.00} without me being there or calling me to advise me of this purchase. when i called the next day the person that did the charge literally told me that oh I forgot to tell you that and it was for a late fee, which while I was there in that hotel I was not advised of a late fee, but yet this rep waits 24 hours when he knew I was going to be back home he charged my card. and Cash app is telling me my dispute is denied when the only receipt this merchant provided me with was a XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> but then gives them an additional receipt that to this day i have not seen nor do I have knowledge of it. this is definitely not a good look on either part. Cash App is going by a fake receipt to not give me my funds back.