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

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX  XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my first bankruptcy for a failed business in XX/XX/XXXX-XX/XX/XXXX. My lawyer had me list all creditors including my utilities. I had no issue with paying that, and was never late, I just listed it. I ca n't find the old paperwork for that, but just by looking at the dates gives it away. For XXXX XXXX XXXX way back with my first business, which only lasted 2 years. Just reseach it, I had a medical BK in XXXX but it did n't mention XXXX XXXX  XXXX in that one.
Product: Payday loan, title loan, or personal loan

I was discriminately by AxosBank -- Loan-Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no reason. i was deny a loan all documentation was provided My credit history which is attach on complaint is excellent- I will forward this to the state attorney, FBI XXXX DEPARMENT OF TREUSURY and the related to put out there this bank fraudulent behavior
Product: Debt collection

Account name XXXX XXXX XXXX Account number XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} I have sent several letters to the company listed above. Letting them know that this account is the result in unauthorized access of my personal information. As a results this account was created without my authorization. The account has also, been sold to another company without my consent or prior knowledge. I have no knowledge of this company. They dont have anything with my signature and the address listed on the contract is incorrect.
Product: Debt collection

Attention Deputy Director : XXXX XXXX I have disputed this medical bills with both the collection agencies, both of the credit bureaus. Merchant Credit Guide is located at XXXX XXXX XXXX XXXX, XXXX  Il XXXX, Creditor : XXXX XXXX XXXXXXXX  dated XX/XX/XXXX in the amount of {$1300.00} at which time all these medical bills should have been paid by both of my health insurance, for all billing in this complaint that I have enclosed here. Now Merchant Credit Guide has this collection on my report with XXXX XXXX in the amount of {$1300.00} and XXXX  has it on my report in the amount of {$890.00}, # 2. Merchant Credit Guide has another collection on my report for XXXX XXXX XXXX  the amount of {$350.00} which also should have been paid as stated above. # 3. Now come XXXX XXXX XXXX that has a collection on my report in the amount of {$370.00} which also should have been paid as stated above.
XXXX XXXX XXXX health insurance through my employers that I had as well as Medicaid that I have and continue to have.

Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS RESET MY CREDIT REPORT AND REVERSE THE ACCOUNTS THAT ARE CLOSED UNDER MY NAME AND PUT THEM BACK AS A OPEN ACCOUNT AND USED A OLD DATA BACK ON XX/XX/2023 THESE ACCOUNT THAT WERE CHANGE FROM CLOSED TO OPEN AS OF XX/XX/2023 XXXX XXXX DISPUTE THIS AS FRAUDLENT ACCOUNTS THIS ACCOUNT IS CLOSED NOT OPEN XXXX XXXX BALANCE {$390.00} THIS ACCOUNT CLOSED WITH A XXXX BALANCE PLEASE DISPUTE IT AS A PAID OFF ACCOUNT XXXX XXXXXXXX XXXX DISPUTE THIS AS A CLOSED ACCOUNT WITH A XXXX BALANCE {$0.00} THIS ACCOUNT WAS CLOSED A MONTH AGO CURRENT XXXX BALANCE {$32.00} THIS ACCOUNT IS CLOSED AS XXXX BALANCE DISPUTE THIS XXXXXXXX XXXX XXXXXXXX XXXX THIS ACCOUNT IS FRAUD PLEASE DISPUTE AND BLOCK THESE ACCOUNT I didnt not request for these disputes to be cancelled the rep over the phone messed up
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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, credit repair services, or other personal consumer reports

I have tried numerous times to formally resolve this matter with Equifax to no avail. I am asking your assistance in this matter to resolve it in accordance with the law. I sent a certified letter ( XXXX ) via USPS that was received on XX/XX/2022 to dispute an account ( XXXX XXXX XXXX XXXX ; ACCOUNT # XXXX ) on my credit report from Equifax XXXX I received a response from Equifax stating the account was updated on XX/XX/2022. I sent out another certified letter via USPS ( XXXX ) asking a description of the investigation that was received on XX/XX/2022 ensuring the 30 days had past to ensure the was no in the 30 days from receipt of my dispute. To this day I have not received any response of a description of the investigation as per FCRA 611 a ( 7 ) which states a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It is now XX/XX/2022 which would make it 69 days from that request. I have several attempts with Equifax obtain the information via USPS certified mail ( XXXX, XXXX ) but have not had any success. I have received a credit report from Equifax stating the account was verified each time after that. How can the account be verified without sufficient evidence. Equifax also violated FRCA 623 for the required notice of dispute within 30 days upon receiving a dispute. As of XX/XX/2022 the required notice of dispute is not on the credit report I was sent via USPS nor is it on my credit report on Equifaxs website. This account needs to be removed due to the violations of the FCRA. I will provide evidence of for the violations that have occurred.
Product: Debt collection

XXXX XXXX XXXX date opened XXXX credit card amount XXXX XXXX XXXX XXXX   opened XX/XX/XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX for {$5400.00} XXXX XXXX charge card {$5000.00} and many others places in my Experian credit file action I put fraud alert that about 7 years ago for problem identity thieft I submitted my ID, SS card, driver license water bills electricity bill, police report and all evidence requested, and the problem never stop. 
now I request frozen my file .I receive a call from XXXX XXXX from XXXX XXXX XXXX XXXX program XXXX that their can fix my according to pay a sum of money she got y information from Experian. 
I request a permanent frozen my credit file. and clean my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was not provide any documentation showing this is my debit. i open any inverstation with the credit companies and never receive any proof that this is my debit. But they are still reporting Account name XXXX XXXX XXXX Account number XXXX  Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6600.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$6600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX This letter below was sent to the three credit companies 6/15/2022 Dear : According to the fair Credit Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for the reporting service could fax, mail, or e-mail a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with a signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand the following accounts to be verified or removed immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX Unverified Account Please remove all non-account holding inquiries over 30 days. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 
Sincerely, XXXX XXXX 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  XXXX  XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, and XXXX XXXX XXXX : XXXX has all 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called United funding logistics On XX/XX/XXXX XXXX Spoke with CEO XXXX XXXX I had explained my situation and other companies that I have tried and nothing was done, XXXX XXXX promised me his company will get it done in a timely manner. 
XXXX XXXX assured me I would not be treated tye same and would get my problems resolved and jot to pay off any debit not to do any negotiations send everything through there office in which I have. 

No lawsuit has been filed against XXXX XXXX. 
Nothing has been removed other than what ai have disputed, I have calledthe bureaus and asked how many hard copy disputes they have received in my name 1 from all 3 bureaus the rest have been done on line by me. 
I have called left multiple messages 1 returned call from XXXX stating she will personally hand this to XXXX XXXX. 
No call back nothing done and the promise I was given was recorded, I want what I was told would be done in a timely manner.its been 8 months and nothing has been completed by this Company. 

I would have already been done with a bank rupt proceeding and was Instructed do not do that we will get this fixed. 

I could have paid some of these off even though these belong to exwife and no validation has ever been done of zny debit in my name other than 100 % satisfied accounts. 
Always a excuse as to why nothing g is done but is on XXXX XXXX advertising his business and they are signing up by the thousands while the ones before get left behind. 

Let 's resolve by working together and get it done.
Product: Credit card or prepaid card

Between us, my husband and I have {$140000.00} in debt, mostly on high-interest ( 25 % and more ) credit cards and bank lines of credit. This debt is all directly or indirectly the result of medical bills and the huge insurance premiums we had to pay in the XX/XX/XXXX before we qualified for XXXX. Every year now we pay five figures in interest on this debt. Wells Fargo has turned us down twice for a loan that would lower our finance charges. They say our debt-to-income ratio is too high, yet they wo n't even tell us what the ratio would need to be for us to qualify. We are XXXX XXXX, respected in our industries, and we are able to cover our other living expenses with income from our work. However, there is a limit to how much we can ever earn between us, no matter how hard we try, and we are getting old. I 'm sure we are not alone. There must be other Americans in our situation. Please help us. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my CASH APP Visa Debit card was charged {$170.00} to XXXX XXXX. I had not authorized this purchase. XXXX was in another city and a hotel I had never heard existed. I immediately contacted CASH APP to have my card canceled. In the interim, I contacted XXXX and told them the situation. They claimed that the reservation was made via their mobile application. They also stated that XXXX XXXX XXXX checked in via the mobile application. Their process of checking in does not require a valid ID to present at their front desk. Instead, a XXXX XXXX app was used to check in and unlock the door. All this was to my surprise as I have never signed up for this service and held no profile. CASH APP then told me I would have to wait 45 days for the merchant to close out this claim. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had contacted CASH APP support and was told that they were elevating the situation to a specialized team and I would hear back in 24-48 hours. This was all done on the CASH APP application on my cell phone for the XXXX you call stated that their advocates were not available to take any calls for they are busy with taking other calls. Great logic. I was always given the same copy/paste message from CASH APP support except for today, where I was informed that my case was closed in my favor and that the provisional credit was permanent. I would guess this response came from the fact that I had used XXXX to publicly state that they have been ignoring me for months. In today 's response, CASH APP states that {$170.00} was credited to my account on XX/XX/XXXX, but under complete disguise as " Unlike refunds, provisional credit does not appear in your Activity Tab or prompt notifications. ". They also went ahead and gave some made-up scenario that when they deposited the money, i had XXXX balance. My CASH APP statement for XXXX started with {$22.00} and ended in {$0.00} and with all the transactions on my statement, it's a fact that there was no additional {$170.00}. The fact that they told me that they ruled in my favor and lied about paying me is borderline criminal. I would have accepted if they stated I lost the appeal. Their unprofessional business practices should not go unnoticed. Just as I am held responsible for my actions, why can't CASH APP?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails 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 : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting or other personal consumer reports

[ I will upload a PDF of this in case the formatting gets lost ] I pulled my Equifax Consumer Report and noticed a whole bunch of things I do not want on there, which I had never consented to them having or sharing. I mailed them a very detailed letter requesting they prove they had the right to receive and share my information. I clarified that even if I HAD accidentally consented, I hereby revoke that consent and I listed all the things they must remove. 

I extended Equifax 30 days to provide proof of my contract with them as well as proof they have provided clear and conspicuous notice. I also extended them 30 days to remove the particular things I wanted removed, requesting they send me an updated report. 

I made it clear I will hold them accountable for {$1000.00} per violation. 

I also made it clear that, as Im currently traveling, they must respond via email. And therefore, if they mail their updated report and/or proof of contract or consent INSTEAD of emailing it to me as well, it shall be considered as though they have not responded at all. 

I have not received any email. I am not aware of any mail sent to the mailing address they have on file. And, as I can see from todays Equifax report, there are still XXXX data points which they have yet to remove. 

For the record, I will attach my letter to Equifax in this complaint.
Product: Mortgage

My husband and I were denied a loan from Bank of America because we could not provide a " guarantee '' of future employment of three years. We XXXX provided letters stating high probability of employment, which is all that was required initially, from our supervisors and HR. The letters and our loan was later denied because it was not a " guarantee ''. My husband and I both hold XXXX degrees XXXX and have XXXX. We are in good financial standing. According to others at Bank of America, the verbiage of the requirement should not demand a 'guarantee ', rather a high likelihood. 
In addition to this, our loan officer and her supervisor at Bank of America have maintained poor communication with us throughout the entire process. It became evident to me very early on that our loan officer did not actually read our emails, and thus never answered direct questions asked of her, even when called out. I contacted her supervisor over this who returned my initial phone call to him said he would look in to the matter and would call me back. He called me back three days later, having forgotten he had already returned my phone call. He did not remember our conversation, listened again, and then said he would discuss the situation with the loan officer and call me back. He never did. I left another unanswered message for him since then. Throughout the process his emails to me have not been in complete sentences and when I have spoken with him on the phone I am either on speaker phone or he is driving. Complete lack of professionalism. I have since contacted HIS superior who also does not return phone calls. 

I have paid fees to Bank of America totaling {$470.00} which I would like refunded. Their service to me is incomplete, and the reasons for their denial of my loan application are absurd. The customer service is far from adequate and the communication with and among them is appalling.
Product: Money transfer, virtual currency, or money service

My phone was stolen with my XXXX authenticator on it. So I am locked out of my binance.us account. I contacted them multiple times. Every other crypto exchange has remedied this problem weeks ago. I have been waiting almost a month and don't have access to my account. There is no customer service support at all. Please help
Product: Credit reporting or other personal consumer reports

my information was used fraudulent to open account without my consent XXXX XXXX XXXX XXXX XX/XX/2017 account number XXXX amount {$9200.00}
Product: Debt collection

EQUIFAX SHOWING XXXX  DEBT ON CREDIT REPORT. 

NEW LAW ( RULE XXXX ) NO MEDICAL BILLS TO BE SHOWN ON CREDIT REPORT. 
I HAVE TOLD THEM THIS LIKE XXXX TIME STILL REFUSE TO REMOVE OFF OF MY CREDIT REPORT. 

PLEASE ALSO SEE ATTACHED EQUIFAX BEING SUED FOR XXXX XXXX FOR FALSYING CREDIT REPORTS AND INFORMATION.