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

As a result of the account hack of Equifax in XXXX the following fraudulent hard inquires appeared on my credit bureau report : XXXX -- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX At the time in XX/XX/XXXX I made contact with the creditors and with Equifax. I filed a dispute with Equifax requesting the inquiries be removed. I contacted XXXX and XXXX -- XXXX XXXX. XXXX prepared a letter and sent it to all credit reporting agencies advising the inquiry should be removed from my file -- Equifax totally ignored the letter, and it still shows on my file. Equifax and XXXX both ignored my dispute in XX/XX/XXXX and this inquiry still remains on my file today. XXXX and Equifax did nothing and as a result a XXXX transaction ( ID THEFT ) was opened on XX/XX/XXXX in the amount of {$280.00}. XXXX and Equifax were both negligent in their failure to act and their failure to notify me that a fraudulent account had been opened in my name. At that time I also put a 90 day security alert on my credit files. After receiving no payments XXXX charged the account off and sent it to a collection agency ( XXXX XXXX, XXXX, FL ) on XX/XX/XXXX with a balance due of {$280.00}. The XXXX XXXX promptly added this collection to my credit bureau files, thus damaging my perfect credit report. After much effort on my report I obtained letters from XXXX and XXXX XXXX instructing Equifax to remove the collection from my files. Since that time I have filed 2 additional disputes requesting the fraudulent Inquires be removed from my credit file. The XXXX Inquiry was directly related to the theft ID account which was opened, and Equifax had a letter from XXXX advising their Inquiry should be removed. In spite of this and hours of effort on my part, Equifax still refuses to remove these illegal inquiries from my file and my credit score continues to be negatively impacted. On XX/XX/XXXX I filed an Identity theft complaint with the XXXX XXXX XXXX Department and they subsequently forwarded it to XXXX XXXX where the transaction took place. I have done absolutely everything possible to resolve this matter with Equifax, all to no avail. All I get from Equifax are worthless form letter e-mails advising the dispute was completed, but there is never any change made to my file?? When I try to open their emails for dispute results all I ever get is a message saying the information I entered does not match their records?? When I call I always get an employee who is not fluent in English and nothing gets resolved. Equifax created this problem with the account hacking, they have a great deal of liability, and yet they do nothing to fix a serious problem they created?? XXXX and XXXX were responsive and great to work with -- the problem is Equifax! I have detailed documentation on this matter. ALL I WANT IS FOR EQUIFAX TO REMOVE THE TWO ILLEGAL INQUIRIES FROM MY CREDIT BUREAU REPORT SO MY CREDIT SCORE IS PROPERLY REFLECTED.
Product: Debt or credit management

Hi CFPB, I am writing to bring to your attention the unlawful practices of Global Solutions XXXX regarding an outdated business debt. Recently, I received a text from this company stating that the account in question would be sent to their lawyers if I did not respond. Upon calling them, I discovered that the debt dates back XXXX years and pertains to a business debt for which I was a personal guarantor. 

Despite numerous emails exchanged with XXXX XXXX from Global Solutions XXXX, where I clearly stated that the statute of limitations on this debt had expired, my claims were ignored. XXXX XXXX insisted that I had XXXX opportunity to pay the debt or face litigation, with their company lawyer, XXXX XXXX, included in the correspondence. When I reiterated that the statute of limitations had expired and no legal paperwork had been filed, XXXX XXXX responded dismissively, emphasizing that my personal guarantor status rendered the business 's current status irrelevant. 

They falsely claimed that my business, XXXX XXXX XXXX XXXX, had a transaction as recent as XXXX, thereby asserting the debt was still valid. I repeatedly clarified that this was untrue, but my objections were met with deaf ears. XXXX XXXX then asserted that as a commercial debt, the FDCPA did not apply. I responded by highlighting the expiration of the statute of limitations and the lack of timely legal action on their part. 

XXXX XXXX further added, " I've been in Lien enforcement for 6 years now, I don't believe you have done your research on Charged Off debts. However, if that's what you believe, then what are you trying to convince me for? Unless you're wishing to take care of this to protect your assets and social from being flagged by this, then let 's work something out. Otherwise, you may prepare for litigation. '' I believe Global Solutions XXXX is using illegal methods to intimidate and coerce consumers into paying outdated debts by falsely threatening litigation and using unverified claims. A simple XXXX search reveals that this company has a history of employing such fraudulent tactics. 

I urge the CFPB to investigate Global Solutions XXXX 's trade practices and their use of intimidation and deceitful tactics. I request that they cease harassing me and close my file. If this harassment continues, I am prepared to take legal action against them. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Please find attached the relevant statutes of limitations for business and commercial debt from both the federal government and the state of Nevada. 
Federal Statutes of Limitations for Business and Commercial Debt : According to the Fair Debt Collection Practices Act ( FDCPA ), while business debts are not covered, the federal statute of limitations for most business-related debts is typically 6 years, as stated in 28 U.S.C. 2415. 
Nevada Statutes of Limitations for Business and Commercial Debt : Under Nevada law, the statute of limitations for written contracts, including business and commercial debt, is XXXX years, as outlined in XXXX XXXX ( XXXX ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that the account I had with XXXX XXXX XXXX loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!
Product: Credit reporting, credit repair services, or other personal consumer reports

After denial of an new home around the beginning of 2023 I learned that my credit report had fraudulent accounts and incorrect information all over my credit report It really had me shocked and sad because after my brother recently passed away I wanted to get away and start fresh to many memories in my home town all this incorrect information stopped my XXXX boys and me for being able to obtain housing which left me back in forth in hotels I had to come back and live with my mom with XXXX kids in a XXXX bedroom apartment all because the credit buruoes are reporting fraudulent accounts and wrong information after I tried to get this fixed with the credit bureaus on XX/XX/2023 and and they did not help me remove the accounts nor did they do a proper investigation I start doing my research on credit and I found under the ftra it most be deleted out all 3 credit bureous were breaking the law and that 603 - 15 U.S.C. 1681a
Product: Credit card or prepaid card

Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. 
I applied for an extension of credit on XX/XX/2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference. 
15 U.S. Code 1681a ( k ) Adverse Action. 
( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer. 

Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. 
I contacted this company on XX/XX/2021 & XX/XX/2021 at XXXX EST and spoke with a representative to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter. 


As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimantion and violations under the Federal Deposit Insurance Act, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission Act. 

Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. I have also included the letter that they sent me after my application was denied of thier violations for reference for this company Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an adverse notice from a creditor who is reporting that Experian provided them with a XXXX credit score. I check my Experian credit score daily and it is currently XXXX. The creditor further advised that they are unable to verify information the information contained on my report. None of which makes any sense to me. My credit score is between XXXX - XXXX with the other credit reporting agencies. Every month I have to report these agencies for FRAUD and incorrect entries that impact my quality of life. They refuse to remove the entries and lie and say theyve been verified when they are disputed. I know they arent disputed because the said account that Im constantly disputing HAS BEEN PAID OFF! As a result, I have suffered countless losses because of this issue and Im sick of writing to you about it. Now Im going to take legal action and sue Experian for personal loss/suffering, humiliation, and damages since they cant seem to amicably resolve this issue via the CFPB.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB and section 605C of FCRA section 1022.142 of regulation. Please block this information from my credit report and to remove all accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my TransUnion credit file without my authorization, I did not get any help from them.
Product: Debt collection

I have mailed XXXX a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent XXXX a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt on my Credit report.
Product: Checking or savings account

Im a new customer with Capital One off the praises from different customers. This is my first and LAST direct deposit through them. First I called customer service and was told no later than end of business day. End of business came I called again then its by Friday morning. Friday morning here and I HAVE STILL YET TO BE PAID! I live check to check to care for me and my family with XXXX kids and this is putting a strain on us big time. Not that they care but they have definitely lost a customer!
Product: Debt collection

i sent a debt validation letter on XX/XX/2023 requesting validation under the fair debt collection practices act, 15 USC 1692g.the company has failed to validate this request within the 30 days. so i got there phone number and called to talk to them and i was told that they are not required to answer the validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX SERVICES DENIED ME THE RIGHT OF AN INVESTIGATION OF THE ALLEGED INFORMATION THEY ARE FURNISHING TO THE CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Transunion is failing to fix errors on my credit report, that I have asked them to resolve since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of securing a mortgage and my bank representative did not get my credit report from Experian. On XX/XX/XXXX-XX/XX/XXXX the bank representative and I called several times to Experian and found out that my first name was appeared incorrectly in their system. So, I asked Experian to change my first name. XXXX, the supervisor of the membership service of Experian told me that he can not change my name as it is officially appeared as XXXX and their system can not include a name just with two letters. My bank representative and I talked with at least five employees at Experian by pointing out that my official first name is XXXX and that is appeared in all of my federal documents ( including passport and driver 's license ), employment records, as well as other credit reports ( such as XXXX and XXXX ).  However, Experian did not change my name. It is unacceptable that I might not secure a mortgage due to the negligence of Experian. But the surprising thing is that the supervisor of Experian membership service did not listen to my concern at all ( I reached to him after an hour of phone waiting ), but rather claimed that I talked with him last week ( which I did not ), and hanged up the phone abruptly.
Product: Debt collection

I have never asked for services from global solutions. I find mail in the mailbox on the old address and the company that I mentioned before is trying to collect over XXXX  $ for services that I have never asked or received!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX, XXXX and Experian. Only Experian is showing XXXX XXXX XXXX on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX 
Status updated XX/XX/XXXX Balance - Balance updated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX XXXX
Product: Credit card or prepaid card

Usually a big fan of Chase. But they messed up my credit card accounts. I am really frustrated and upset. But hoping you can help. I was sent a replacement card on XX/XX/19 without my consent. I tried to call to fix the issue but company didn't do anything to fix it except for apologising. Enough sorry but I just want to feel my information is " safe '' and nothing will be issued on my behalf without prior consent.
Product: Debt collection

THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR XXXX  XXXX XXXX. I HAVEN'T BEEN INVOLVED WITH XXXX FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. DYNAMIC RECOVERY SOLUTIONS IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.
Product: Mortgage

This matter is related to a HE Loan held by Citizen Bank ( aka RBS Citizens ). 
In XXXX, approximately a week prior to the auto debit date of the loan I submitted a form through the local branch to change the auto-debit account. Unfortunately, Citizens bank incorrectly keyed the account number which resulted in my loan payment being delinquent. I received a call from Citizens Bank Loan Operations and after several follow up calls and verification that they had incorrectly entered the account number, Citizens Bank ensured me that everything had been rectified. I insisted on them taking a payment over the phone which they reluctantly agreed to waive the fee for processing. 
The following month I noticed that the auto-debit payment had not been withdrawn and subsequently received a call from Citizens Bank. After discussing the issue I was told that they would correct the error and fix the system. Subsequent to the call confirming that they would take care of the situation, again! I received several more calls and a delinquent notice. 
Facts confirmed by Citizens Bank 1. They had entered the account number incorrectly 2. Several different loan colleagues confirmed that the situation would be rectified 3. Once the system was updated with the correct account number they failed to actually instruct the system to initiate the auto-debit 4. I have opened XXXX cases and was told that everything was rectified and the payment would be back dated to the original due date. This never occurred and I received another call and a delinquent letter.