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

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit card or prepaid card

I signed up XX/XX/19 for XXXX XXXX XXXX  42 day program. It was free but then the owner XXXX XXXX claims you need to pay a refundable deposit {$490.00} which will be returned as long as I keep food journal ( fitness pal was suggested ) ,1x week weigh ins , attend 3 times a week participation. I completed and XX/XX/19 we had a meeting after my workout and I declined. XX/XX/19 I verbally cancelled and XX/XX/19 was my 18th workout for completing 6week program. I confirmed with XXXX XXXX Process of refund and told me 3-5days and everything was fine. XX/XX/19 after speaking owner by text I got excuses I put in dispute with citibank. As of today the charge was put back on my account since owner now disputes the refund I'm due even though i sent proof to card company. They are restarting the process and told me ot will take another 45 days. Next month my minimum payment is the amount that was of reversal minus any payments i was making. Citibank claims Mastercard makes them remove temp credit that was given for dispute. Makes no sense. I had a charge that had been pending for 7 days also {$68.00}. They claim that it was approved a merchant hasn't taken money. This is causing me financial burden.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some fraudulent account and inquiries appearing on all three of my credit report. I have attached supporting documentation.
Product: Debt collection

Lawful Notice of Dispute TO : CREDIT SYSTEMS INTL IN RE : Account Number : XXXX To Agents or Assigns at : CREDIT SYSTEMS INTL IN I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDIT SYSTEMS INTL IN. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters to Equifax, XXXX and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.
Product: Credit reporting or other personal consumer reports

Experian has collections on my credit report that I disputed and they did not follow or explain protocol on the disputes. Came back they verified it, Verified through who? Nobody contacted me and one of the collections was taken off and is back on for the third time
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct Proper Investigation & Request for Hard Inquiry Removal To Whom It May Concern, I am writing to formally dispute the results of my recent credit report investigation, as referenced in your response. The response provided indicates that Equifax did not conduct a proper reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ), and failed to provide adequate verification for the disputed hard inquiries.

Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation Equifax is legally required to conduct a reasonable reinvestigation of any disputed information. However, based on your response, there was no proper method of verification provided, and no substantial evidence was presented to confirm the legitimacy of the disputed inquiries.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to Delete Inaccurate Information If Equifax can not verify disputed information, it must be removed from my credit report. Since no valid verification was provided for the hard inquiries, they should have been deleted immediately.

15 U.S.C. 1681b ( f ) Unauthorized Access to My Credit Report If these hard inquiries were the result of identity theft or unauthorized access, Equifax had an obligation to remove them upon receiving my identity theft report. I have already provided supporting documentation, including my identity theft affidavit and police report, yet the inquiries remain.

15 U.S.C. 1681g Failure to Provide Method of Verification When a consumer disputes an item, the credit bureau must provide the method of verification used to validate the disputed information. Equifax has failed to do so.

Legal Precedent Equifaxs History of Improper Investigations Equifax has previously been ordered to pay {$15.00} million in penalties due to improper investigation practices. This history further demonstrates a pattern of non-compliance with consumer protection laws.
Product: Checking or savings account

I got the check of {$2200.00} sent home. However, the numbers at the bottom was not readable and I was unable to cash it even though I tried at multiple chase branches. They told me to contact a number to issue me a new check which I did but I never got another check sent home. I then went in person to a chase branch and the check verifier or whoever can write checks there told me I will get a check sent home anywhere from 2 business day to a week after speaking on the phone with another person. However, its been two weeks and I have yet to see a check sent home. I have tried to resolve both on phone and in person to no avail. Please help me.
Product: Debt collection

BullCity financial is verifying a debt to the  XXXX  major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate 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 was unfair and deceptive, as they did not 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: Debt collection

Debt collector IC System attached themselves to my credit file for non payment of debt to XXXX. The name they have in their file does not match my name at all, not even closely nor does it match any members of my household. I contacted them and they told me to dispute the claim with the Credit Bureau which I did, but the dispute was not removed. IC system says they cant even talk to me because they dont have my name in their system, if that's so how did they connect to my credit profile. I am just getting a run around.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act the list of accounts has violated my federal protected consumer rights to privacy and confidentiality. Account Name : 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. Has violated my rights 15 USC 1681 action 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C 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 record by 7 years. 15 USC 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 inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit reports with XXXXXXXX XXXX and Equifax after the data breach at Equifax. While XXXX and XXXX have provided easy access via web portal for me to freeze/unfreeze my credit report as needed, Equifax is being incredibly difficult. They refuse to let me log in to the myEquifax portal, and they won't tell me why. I spoke with a customer service rep last night XXXX XX/XX/2019 XXXX, and not only was he unwilling to explain why I am not allowed to log in, but he also refused to let me speak to a supervisor ( he said " there aren't any available to speak with you '' ). By then end of our conversation, he told me he would send me an email with instructions about how to unlock the portal, and also an email contact for a supervisor, but the email just restated that I was not allowed to log in to the myEquifax portal, and he failed to provide a contact email for a supervisor. Basically, they are telling me that they only way I can freeze/unfreeze my report is to call in a spend a half hour on the phone with a customer service rep verifying every detail of my financial life ( or send a letter via USPS ). The only reason I need to freeze my credit reports is because of their own security negligence, and now they're basically telling me that they own my credit report and I can only freeze/unfreeze if I play by their rules. Do I have any legal recourse to force them to provide me access to the myEquifax web portal? Or to at least make them explain to me why they refuse to let log in? Like I said, the other XXXX bureaus have made this process simple and streamline, it's just Equifax that is making this difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX  XX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Heres a revised, dignified version of your message : On XX/XX/XXXX, I deposited a check from the IRS for {$10000.00} via mobile deposit, with funds becoming available at XXXX XXXX  on XX/XX/XXXX. To ensure smooth processing of a forthcoming significant purchase, I proactively contacted Fifth Third Banks customer service, hoping to prevent any account interruptions due to the unusual transaction size. 

However, instead of assisting with my request, the representative collected my information, subsequently locked me out of my account, and labeled the check as fraudulent. In an effort to clarify the matter, I drove XXXX minutes to XXXX, Tennessee, to verify the check in person. There, a banker contacted the fraud department, who not only insisted on the checks fraudulent status but also informed us they would be closing my account and reporting me to financial fraud agencies.
Product: Mortgage

My wife and I did a deed in lieu of foreclosure back XX/XX/XXXX. The account was closed XX/XX/XXXX and our credit reports reflects that as well. But as we have recently applied for a mortgage, we 've noticed that the old mortgage company XXXX Nationstar Mortgage XXXX is now reporting on our credit file that the account has late payments in XX/XX/XXXX ... even though the account was closed XX/XX/XXXX. I have all the documents supporting the successful close of the deed in lieu with a XXXX balance. Myself, my current mortgage rep, and the credit bureau attempted several times to call Nationstar Mtg to resolve this issue but we were unsuccessful in our attempts, as they blew us off each time. What can I do? This is holding us up terribly from buying another home ... after we 've rebuilt our credit. We 've put down earnest money as well as had a home inspection done. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has lowered my score 5 times in the month of XX/XX/XXXX over XXXX points i understand credit scoring but not on a weekly basis to continually lower my score without any changes to cause the score going down weekly. there are notations on my account about unathorized inquries. I am being discriminated against because i have filed complaints against them before based on eronius info put in my reports. I wnat this to stop!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX with Equifax through the cfpb about the furnished accounts on my consumer report. 

equifax came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Equifax shows a balance of {$950.00} XXXX shows a balance of {$850.00} Equifax shows the account being late beginning in XX/XX/XXXX XXXX shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as Equifax stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting or other personal consumer reports

File a dispute with Experian to fix my incorrect address by removing those listed with the wrong apartment number, instead of removing incorrect address they removed all addresses and this action prevents all access to current credit report.