23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX, 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 inaccurate.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to rectify the fraudulent, inaccurate, and misleading entries on my credit report, the issue persists unresolved. The presence of these erroneous items has had a profound negative impact on my life, causing significant stress and XXXX. I must reiterate that I am a victim of identity theft and did not authorize or consent to having this fraudulent information associated with my name and credit file.
Product: Credit reporting or other personal consumer reports

CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

ALL Hard inquiries all accounts with late payments
Product: Debt collection

I was contacted on XX/XX/2020 at XXXX XXXX. From, XXXX XXXX calling from telephone number:XXXX. This collection agency was calling on behalf of XXXX XXXX XXXX, In a previous call, I asked the company to cease calling me ; and that I prefer to only deal with the company I owe.
Product: Student loan

Around the end of   XXXX   they kept calling me for federal loan forgiveness! They asked for {$200.00} to proceed the paper work! Right around the time  Naveint bra nched from  XXXX   XXXX ! The took my money and put my account in forbanch for 2 months and then said I do n't quilify and went to paying the same! They steered me to federal forgiveness said I qualified took my money then told me it wo n't work I make to much at the time I was unemployed because I got back to work they said I can no longer do it!
Product: Debt collection

I wanted proof about these medical bills and dates to verify when and what these are. I tried calling and left a message as no one would answer it just goes to voicemail and leave a message. I did twice. I wrote an email twice also? They haven't responded to nothing? All they want is 3 types of payment : Pay in sull amount, pay upfront so much and 2 payments after and 3 payments and says select which payment. I'd like to verify these medical bills and when/how long ago were these bills? I have no Idea? i received a letter/notice from TSI on XX/XX/2024 it is XX/XX/2024 and I have received nothing?
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Equifax Information Services LLC for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate collection information from my credit report. This same collection account has already been removed by XXXX and XXXX after my disputes, yet Equifax continues to report it inaccurately. 

Details of the disputed account :. 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 Problem Summary Equifax is inaccurately reporting this collection account on my credit report, which violates the FCRA. The creditor has failed to provide verifiable evidence to substantiate this debt, as required by law. 

Specific Violations of the FCRA 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is required to investigate and verify disputed information within 30 days of receiving a dispute. This timeframe has elapsed, and no valid evidence has been provided to substantiate this account. 
2. Section 609 ( a ) ( 1 ) ( A ) : Under this section, I have the right to receive complete and verifiable information about any item reported on my credit file. Equifax has failed to provide such documentation, demonstrating that the account lacks a legal basis to remain on my report.

3. Section 623 ( a ) ( 1 ) ( B ) : The FCRA mandates that furnishers of information ensure all data reported is accurate and complete. Equifaxs continued reporting of this account, despite its removal by XXXX and XXXX, indicates a failure to uphold this responsibility. 
4. Damages : The presence of this inaccurate account has caused financial and emotional harm, including damage to my credit score and denial of credit on favorable terms. 

Requested Action by the CFPB I am requesting immediate intervention by the CFPB to : Direct Equifax to delete this collection account from my credit report. 
Ensure Equifax complies with the FCRA and takes responsibility for its handling of this and future disputes. 
Investigate Equifaxs negligence in this matter and impose sanctions if necessary.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that are not mine on there, also my personal information has been compromised from two companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reached out to Chime and XXXX for some type of resolution for this unauthorized payment to this website XXXX and the dispute was pretty much shut and closed, Its a online transaction what information could the possible use to prove it was me who made it? A name? Thats point of fraud its called identify theft! Scammers literally get away with anything these days because of the lack of investigation companies use to save theyre own tails for actually helping, They charge you up the XXXX in fees monthly but when it comes down for help they deny you in minutes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX sent information to Stark Agency that I owed them {$2900.00}. Stark Agency then put this amount as a delinquent/in collections amount on my credit report, having their lawyer XXXX XXXX send me a letter requesting this amount. After speaking with XXXX at Stark agency, he let me know they said I owed 5 months rent ( XXXX - XXXX of 2017 ) as well as a {$200.00} stay over fee for moving out late. None of this is true. I paid all months rent and notified XXXX XXXX of this. I think it is outrageous that a company can make such a claim without any proof and without notifying me of this, then another company can simply place it on my credit report! I would like this looked into because after reviewing this company on the internet, it seems they do this frequently to people with no regard for honesty, communication, integrity, or the law ( as it seems like flat out fraud )!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX and XXXX reporting the account status being closed but Trans Union is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.
Product: Checking or savings account

On XX/XX/year>, my phone number was stolen which allowed the adversary to perform an account recovery to my Huntington bank online account. They used my stolen phone number as a verification method. The adversary then only a XXXX XXXX  account using my checking account number and transfered close to {$3000.00} to the XXXX XXXX account. I have closed my existing savings and checking accounts at Huntington and reopened a new saving and checkings account. Shortly after noticing these fraudulent charges I contacted the Huntington bank support line and filed a dispute case. On XX/XX/XXXX, I received a letter from Huntington saying those charges were verified and authorized using my stolen phone number. I went to a local branch to discuss this and the clerk was only able to reopen my dispute case.
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.

Account name : 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. 


Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX XXXX 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 inaccurate.

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

I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX off my report it over 7 years old and need off now
Product: Checking or savings account

Hello dear Hope doing well I hope you will get my info and reslove the issue I had open an wise business account I had paid them XXXX $ for upgrading my account to unlock XXXX currencies then after few days I contact broker that I need usd $ he was paying me but I dont know why the payment was cancelled and ny wise account got blocked after this. 
I will be very thankful to you if my problem is solved.
Product: Debt collection

XXXX XXXX These account are reporting false amounts. False charges. I demand the accounts be deleted.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I made {$76.00} purchase item using PayPal. Item was returned seller received the item on XX/XX/2020 and said that issue a refund to my PayPal account. I have not received the refund. I contacted PayPal provide all documents and dispute XX/XX/XXXX transaction. I have not received any updates from PayPal. I have contacted my credit card company that I use in XX/XX/XXXX PayPal transaction. On XX/XX/XXXX credit was issued on my PayPal account for {$76.00}. XX/XX/XXXX My credit card company issued permanent credit for XX/XX/XXXX PayPal transaction. Few days later I received letter that I won the case by default because PayPal did not provide case evidence on time. On XX/XX/XXXX PayPal applied - {$76.00} charge back to my PayPal account causing negative balance. I have received emails and treats that my account going to be lock if I don't cover negative balance. I was only allow to cover the balance using my checking account. I have payed to cover the negative balance to have no transaction interruption in account. I been contacting PayPal for last 5 months they saying that is not in there hands I have to contact my financial institution. PayPal illegally applied " charged back '' to my account for {$76.00} and will not give me my money back.
Product: Checking or savings account

I did not received all of the interest up through the closure date of XX/XX/2024, that I was promised. I only received earned interest up through the statement date of XX/XX/2024. As a result, I lost a whole months interest. 

Please see attachment and also pasted below the closure procedure of these bank accounts from the Citi XXXX XXXX : Although the account closure process takes XXXX days, the savings account ending in XXXX continues to earn interest until this process is completed. At the time of closure, if we deem any funds as belonging to you, we will send you a check by mail to the address listed on the account. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # XXXX
Product: Credit card

On XX/XX/2023, XXXX day I booked a package trip for XXXX to XXXX XXXX XXXX from XXXX. I used my Citibank credit card. Our travel dates were for XX/XX/XXXX returning XXXX XXXX. Total cost of our trip {$7800.00}. Immediately after booking my reservation my husband had a XXXX XXXX and was instructed to not fly for the next 90 days. It was less than 24 hours from the time we booked. it was not clear our hotel XXXX XXXX was nonrefundable. All the information said full refund if canceled within 24 hours. I contacted XXXX and was only refunded the air fare portion of the trip. I did not get a refund for the hotel which is the cost of {$5500.00}. I called XXXX 7-10 times, explained our situation to numerous agents and supervisors and was told to call XXXX XXXX XXXX I called XXXX many times and was told to call XXXX. I was shuffled between XXXX & XXXX with no solution. I then disputed the transaction with my credit card company but after 6 months they took XXXX side. I even asked for a voucher on a future trip rather than a refund but unfortunately no one will work with me. It is morally wrong to take {$5500.00} from someone due to health issues. I understand the Non refund policy which was not clear in the booking website, but they can issue a credit towards a future trip. Your assistance is appreciated. Thank you
Product: Mortgage

My mortgage is currently being serviced by SPS. SPS has hired XXXX XXXX XXXX to proceed with foreclosure action on my home. SPS has set a foreclosure sale date for XX/XX/XXXX. SPS has refused to offer any loan modification assistance, which is a violation of CFPB law. SPS has also refused to offer FHA face to face meeting to mediate, which violates Qui Tam and obstructs the Federal Government. SPS has refused to offer assistance to mediate per IN 32-30-10.5, which is a violation of IN state law. SPS also never served me with the foreclosure notice, thus violation IN civil lawsuit procedure. Overall, I feel like SPS is trying to steamroll me through the foreclosure process. I want to save my home and I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit file are unverified and unauthorized
Product: Debt collection

Hello, I notice a fraudulent account on my credit report around XXXX of XXXX in the name of GreenSky financial. I immediately filed the necessary paperwork for the fraudulent account, sent everything to the credit bureaus the account was removed. On XX/XX/XXXX I received an email from XXXX  alerting me about my credit report, I logged in to see Greensky added the account back to my credit report as accurate and it was a valid debt. I immediately called them, was transferred to a specialist and was told to send over the necessary documents which were the affidavit and police report. I did that the same day. I never heard from any one. The account was still reporting on all 3 credit bureaus. I sent over validation of debt again on XX/XX/XXXX and has yet to receive any paperwork. I sent another validation of debt on XX/XX/XXXX and it was received on XX/XX/XXXX and validated as accurate on XX/XX/XXXX. I still have yet to receive any paperwork from this company. I talk to a customer service representative by the name of XXXX XXXX  after giving her the information if the account number provided by my credit report, I was able to ask her if she was able to send me the original loan documents, she stated she was not in the collection department or validation of debt department so shes not so sure if they could provide that. She also stated that they may not have those documents because it was electronically and they just dont have those on file, she also stated they can not provide certain documentation due to HIPPA law. Im waiting on a XXXX to reach back out to me about this. This has been a nightmare and GreenSky has violated the FCRA by not handling the dispute properly and also failure to send me any documentation pertaining to this account. I sent the validation of debt letter to XXXX XXXX  via email today on XX/XX/XXXX. Im hoping to have this account off my credit report soon as possible.
Product: Debt collection

I have been receiving phone calls from this number multiple times. When I pick up, they do n't say anything and hang up. I called back today and asked them why they keep calling. The gentleman kept saying they do n't have any information on the account, so I asked him to put me on their do not call list. He said he would be more than happy to do that, but they do n't have any information on the account. It all felt a little scammy to me, so I hung up without giving any information to this person about myself beyond the number they were attempting to reach.
Product: Credit card or prepaid card

I WAS IN TOUCH WITH A LADY HER NAME IS XXXX XXXX WHO IS LIVING IN XXXX ON A DATING SITE AND WE GOT INTO AGREEMENT TAHT WE ARE GOING TO GET ENGAGED IN XXXX. I BOOKED A FLIGHT TO HER ON XXXX XXXX ON XX/XX/2023 AND IT COSTS XXXX EUROS BY THEN SHE STARTED THAT SHE DOES NOT HAVE ENOUGH POCKET MONEY AND I SENT HER THROUGH MONEY GRAM XXXX EUROS THEN SHE SIAD THAT SHE MISSED HER FLIGHT AND HAS TO STAY TO NEXT DAY XX/XX/XXXX THEN SHE SAID THAT SHE NEEDS TRAVEL INSURANCE COSTS XXXX EUROS AND I SENT IT THROUGH MONEY GRAM AND XXXX XXXX THEN SHE SAID SHE NEEDS A REPLACEMENT TICKET FOR FLIGHT AND I SENT TWO TRANSACTIONS OF XXXX & XXXX EUROS. 
I DISCOVERED THAT IT WAS A SCAM. 
I CONTACTED MONEY GRAM XXXX XXXX XXXX BOTH SAID THAT THE PERSON IS REAL AND SHE SHOWED HER ID AND SIGNED A FORM CALLED RECEIVE FORM AND THEY ARE NOT ABLE TO REFUND ANY MONEY BACK TO ME. 
EVEN MY CREDIT CARD COMPANY VISA AND MASTER CARD DENIED MY REQUEST FOR ANY REFUNDS
Product: Debt collection

Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. They should all be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ) ( B ).

Once again I do not owe any alleged debt to Capital One Bank and I did NOT give consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. Capital One Bank continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Capital One Bank debt claims are refuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$3100.00}.
Product: Checking or savings account

High yield savings account with capital one. Interest rate change and account change to performance savings with interest rate change to lower rate.