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

This complaint is against XXXX  XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotically debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

A letter was sent over on XX/XX/year>, XX/XX/year> and XX/XX/year> for the credit bureau to investigate inquiries that were not authorize by me but are showing on my credit report. The credit bureau did not do their investigation with in the time frame needed or send any correspondence to me proving any proof. I requested these inquiries to be deleted from my credit and 60 days have pass with out a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$810.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX {$550.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit card or prepaid card

My credit score dropped XXXX points between XX/XX/XXXX and XX/XX/XXXX, from XXXX to XXXX. An XXXX credit report shows this account was closed. I never requested or authorized closure of this account. The account was never delinquent or derogatory. This account is a Chase Bank Freedom Unlimited VISA, beginning account numbers are XXXX XXXX  XXXX. Communications with XXXX and Chase Bank resolved nothing, instead provided substandard answers and meaningless rhetoric. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit card

Account information was due to be removed from public record XXXX 2016 and is still on record.
Product: Credit reporting or other personal consumer reports

Please see attached letter for the unauthorized inquiry on my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I placed an order for an XXXX computer and accessories on the XXXX XXXX XXXX on XXXX XXXX, 2021, using the 0 % 12 month financing offer on the Apple Card ( by Goldman Sachs ). Typically, the taxes for financed orders are charged immediately. In this case, the taxes were {$110.00} for the XXXX. I cancelled the order within an hour, as I noticed I forgot to include some items that I wanted to finance. The order was successfully cancelled by the XXXX XXXX XXXX and the installment plan was successfully closed out on my Apple Card ( by Goldman Sachs ). 
My problem is that the {$110.00} pending charge for the taxes on the order never dropped off of my card. I have called and complained numerous times in the past 5 months to both the XXXX XXXX XXXX and Goldman Sachs for the Apple Card. Both send me in circles for hours and are unable to help me. 
I would just like to get this charge removed, as it is affecting my available credit and reporting balances.
Product: Vehicle loan or lease

My insurance company - XXXX - paid off the balance of my auto loan : {$2700.00} on XX/XX/year> But as of XX/XX/year> ( today ) toyota financial still shows this auto loan as an open account with the balance of {$2700.00} remaining. 

This is damaging my credit report!! I am showing not only my old auto loan but my new one as well, which has caused a credit problem for me. 

There is no excuse for them delaying the payoff of my account, and I request that the account be closed immediately. 

I was unable to reach Toyota financial services directly about this, getting stuck on infinite hold and then being disconnected. It took several hours of hold time and finally the help of a rep from XXXX to actually reach a representative, who would only confirm that the check had been received on XX/XX/year>, but that Toyota had not cashed it yet. There was no explanation as to why Toyota had not cashed the check or applied the funds, and I believe this is fraud on the part of Toyota Financial Services.
Product: Bank account or service

XXXX of the bank card on my account was deactivated due to possible fraud charges on XXXX. We were not informed in any way by our bank BBVA Compass. Finally on XXXX I went to XXXX of local back location to be told why my bank card was not working. At that point the manager told me that a replacement card was reissued and it should be available in XXXX business days. so we waited. On Saturday XXXX I made a call to customer service. the first rep XXXX disconnected after she verify my account. than i called back. when I called back ( i did n't get that reps name ) she verified my account explained my issue. She told us that no card was ever reissued. I request it be expedited with no charge to us. that rep said she need to verify with the person the card is made out to. when my husband got on the call she had hung up. When I called for the XXXX time, I explained the whole situation to rep XXXX. he placed us on hold for a manager. He checked back once. that at XXXX CST, he hung up on us again. NO rep ever tried to call us back. because it was now XXXX all of BBVA Compass banks customer service were closed for the day. for us to get this issue resolved on Saturday and we had to wait until Monday to call back to customer service.
Product: Debt collection

THIS COMPANY OPTIMAL MANAGEMENT GROUP DISCLOSED MY SOCIAL SECURITY INFORMATION TO A THIRD PARTY WITHOUT MY CONSENT, WHICH MAKES ME QUESTION IF THEY ARE DISCLOSING THIS SAME INFORMATION TO OTHER PARTIES THAT HAVE NO RELATION TO ME OR OTHERS. THIS DISCLOSURE WAS VIA TEXT AND VOICEMAIL. I HAVE THE TEXT ESSEGES AND VOICEMAILS. 
TEXT MESSAGE IS NOT ASKING " IS THIS ______? AND IS THIS **** YOUR SSN? 
IT WAS IN A STATEMENT FORM AND VERIFYING FOR THEMSELVES. THIS IS VIOLATION OF MY RIGHTS I BELIEVE AND THIS IS NOT THE WAY TO DO ANY COLLECTION OF SUCH. AS WELL AS THEY DID NOT PROVIDE THEIR COLLECTIONS STATEMENTS IN THE BEGINNING OF ANY TEXT OR CALL
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately end of XX/XX/XXXX I received a credit card in the mail WHICH I DID NOT APPLY FOR OR REQUEST. i checked my credit and saw a hard inquiry AGAIN, I did not request or apply for this card. I called credit card company explained to them the situation advised I DO NOT WANT HIS CARD ACTIVATED, that I did not apply. On XX/XX/XXXX I received a credit card statement for {$75.00} which is the annual fee for the card. I was told they could not waive fee unless I close the account which would negatively affect my credit so I did not want to do this. Now they said I can file an identity theft claim, there really is no claim for this as I received the card so no one was really trying to steal my identity. The company would not waive the {$75.00} and I was told it takes 30-60 days meanwhile the {$75.00} payment is due in 20 days (  XX/XX/XXXX ). I don't want to pay the {$75.00} but I don't want late fees. I don't want this card and I will not pay {$75.00} every year for a card I did not request or apply for. Equifax filed a dispute but told me the same thing. So now I have this {$75.00} I owe and no one will help me. I can not wait 1 to 2 months for some sort of review when I have a balance on the account. I asked if it could be closed some other way where I would not get points off of my credit but was told no. I already have a hard inquiry on my report now from this. I want this {$75.00} off, the card was destroyed. I am trying to purchase a home and this will not be good for my credit.
Product: Debt collection

I had a XXXX XXXX in XX/XX/XXXX that was taken to the emergency room by her grandmother. My name was used for some unknown reason, I was out of the state at that time on vacation. Arkansas DHS is the responsible party. The bill was and has been turned over to them, and by their statements to me resolved. XXXX XXXX XXXX is the original debt holder {$280.00}. XXXX took the account # XXXX {$280.00} dated XXXX. I disputed the claim and they sent a copy of a bill with handwritten modifications dated XXXX. I have made several disputes of this bill. XXXX XXXX XXXX now has account # XXXX for {$420.00} dated XXXX. I have disputed this. Dynamic Recovery Solutions account # XXXX {$420.00} is acting for XXXX XXXX XXXX dated XX/XX/XXXX. today I talked with XXXX XXXX at Dynamic Recovery Solutions XXXX, she said I would receive media. I do n't understand that.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a letter from Capital One explaining that after an SCRA benefit was attached to my account, my interest rate was lowered to 4 % and that they now owed me {$780.00} dollars. I called them and they said they would mail the check out to me then, and it would take up to 10 business days to receive it. 3 weeks go by and I call back again. During that phone call, Im advised that they havent sent the check because my account needs to be in good standing for 3 months and that they, will send my refund check of {$780.00} dollars in XX/XX/XXXX. I call back in XX/XX/XXXX and Im advised that my account is in good standing and they will release the check to be sent out on the XX/XX/XXXX and that it will be 10 business days maximum. I call back in XX/XX/XXXX and Im told I shouldnt have waited so long for a check and they will reissue another one that day, and to wait 10 business days again. I call again on XX/XX/XXXX and Im told its been sent snail mail. It is now XX/XX/XXXX and I called again a few days ago and Im being told to wait. I have received all my monthly statements but this check is magically missing. It doesnt make sense, and I would like this looked into. I have asked on multiple occasions Ive asked for the check to be overnighted, and was told that was not an option.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information related to my XXXX XXXX account being reported on my EXPERIAN credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file.
Product: Credit reporting or other personal consumer reports

Transunion I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX  {$15000.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate Hard Inquiries 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED 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 {$480.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Vehicle loan or lease

XXXX lease had system errors in XX/XX/XXXX and XX/XX/XXXX causing statement to be incorrect due to credits to customers accounts that never occurred. So XX/XX/XXXX and XX/XX/XXXX statements were asking for incorrect payment amounts, lower than actual payment. We were unaware of this and made on time payments based on the statements received. In XX/XX/XXXX, XXXX contacted me via phone asking for payments on the delinquent balance. I asked my wife at same time and she confirmed all payments have been made via online banking. XXXX asked for proof so we sent them proof of payments for payments made since XX/XX/XXXX. I sent them the proof within a few hours and did not hear back from them until a few weeks later and again they were asking me for delinquent payments. I told them I sent in requested documentation that established this. They stated it wasnt good enough proof and wanted certified copies. Took a month or so for them to accept and actually find the money we paid because the money we were paying during those months were not being credited to our account. Also, they now admitted there was a system error and finally came clean about it as that was the first we time we had heard of it. We finally understood the situation and paid the remaining balance for the " partial '' payments in XX/XX/XXXX and XX/XX/XXXX. XXXX incorrectly reported to my credit that two payments were late and later extended that to four months. No late fees EVER  charged as they admitted their error and they were reporting late payments when there was clearly a dispute occurring as we felt we made the payments based on what XXXX sent us. In every statement to that point there was never any induction that any money was owed, no late payments showing and under the section of " Past due '' the amount was always sowing ZERO. We had no indication that something was wrong and even during the process of having XXXX explain to us, they were not forthcoming with the information initially. I also asked XXXX of the supervisors early in the process about having this effect my credit and he stated it wouldn't because this was a system glitch on their end and they are taking care of it. Have tried multiple time for them to report correctly and they refuse. I get multiple different stores that they will fix and then they refuse to remove. Multiple times I have talked to XXXX and on the recorded phone lie one manager states its an easy removal because it was their error and I will receive a letter stating that but one never arrives. I call back and find out they have denied and the reporting will stand. This has caused me to lose my refinance on my home. I have explained to them its being reported in error as there was a system failure on their part, which they have always agreed occurred, but wont budge. I ask them if my payment was late why were no late charges incurred and they have no answer. One of the supervisors I spoke with told me no late charges would be filed because of their error. I just get the runaround and never the same answer and they never do what they say they will like send me communication.
Product: Credit reporting or other personal consumer reports

I have sent my FTC identity theft pack notarized regarding this fraudulent information on my report. This fraudulent information is affecting my credit and I need to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires and inaccurate account information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I'm applying for a mortgage. The lender is unable to pull my equifax account. Equifax doesn't acknowledge the issue and I have sent my verification information on XX/XX/year> overnight ( Birth Certificate, and driver 's license ). They received it on XXXX and signed for it on XXXX. They are stating they still have not received it. All of my accounts are being erroneously reported as closed, and they are open! My score is incorrect due to this on the online. I am about to be rejected for a first time home buyer loan because of this!
Product: Checking or savings account

I tried to close my account over the phone, this was back in XX/XX/XXXX, when i spoke with the representitive on the phone they told me i had to zero my account. When i zero 'd my account they assured me that the account was closed. Well two weeks after my account was suppose to be closed. They still tried to process checks and transfer money from the account with a zero balance. With that, it drew a on a zero balance causing my account to overdraft. They were suppose close the account, and send me information but never did. This isnt the only issue ive had with these guys, back in XX/XX/XXXX of the same year, i was traveling. They put the account on a temp hold due fraud protection. Well they fixed it, then the very next charge they blocked it again. I called to fix it but this time i found out the " Accidently '' canceled the card instead of fixing it to where i could use it again. they left me stranded in another state where i didnt live with no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter to confirm the reason of my complaint along with my identification.
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 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 is inaccurate.