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

On the date XX/XX/2021, I requested that Equifax remove several accounts. On the date of XX/XX/2021, I received a response from Equifax which is Nine days past their time to respond. I've made it clear that Equifax was committing multiple violations according to the Fair Credit Reporting Act. Pursuant to 15 USC 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Notice How Congress did not define " Privacy '' under the Fair Credit Reporting Act. Therefore, my rights to privacy have been compromised as I am a private consumer, I never gave consent for Equifax to furnish anything. I have you know that No Consent is considered identity theft. This is Equifax first violation, let 's move on ...

According to 15 USC 603 ( 2 ) the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card pursuant to 15 USC 1681 is the same pursuant to 15 usc 1602 ( I ). The term Credit Card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress said ANY card. The Credit card I am referring to is my social security card, which is the credit card I used to originate the consumer credit transaction. This is Equifax Second Violation.

Furthermore, Pursuant to 15 USC 604 ( a ) 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. Notice how it says written Interactions of the " consumer '' I never allowed or given my consent to Equifax to furnish anything about me. I make it known, according to 15 USC 616 Civil liability for willful noncompliance ( a ) Any person ( The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) 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 ( 1 ) ( A ) 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} ;
Product: Credit card

Caller asked for a payment for a card I did n't open. I called my attorney and asked if I had this card ( he did a debt consolidation ) which he said no. I have the following info : Rep or caller name : XXXX XXXX XXXX XXXX XXXX XXXX Amount due {$3000.00} Card opened : XXXX XXXX XXXX Last Pmt : XXXX XXXX XXXX Card number XXXX I wrote the FTC who advised they do n't handle businesses. ref # XXXX
Product: Credit reporting or other personal consumer reports

I recently sent multiple dispute letters to the consumer reporting agencies to investigate and they are not processing my disputes. They keep sending me auto generated response saying that they will not process my disputes because they believe it is someone other than me sending out letters on my behalf.
Product: Debt or credit management

I signed up with XXXX XXXX XXXX XXXX Strategic Financial in XX/XX/year>. They only settled XXXX of my account for me in the XXXX months I put money into my account. I had over {$10000.00} in my account snd they took {$6000.00} in fees/services before they settled any of my accounts. They are now being sued for this. Theres an ongoing g suit against them. Now all my debts are way behind and Im being sued!!!! They are stealing from hard working families. I would like to see if I can get the money they took from me. Im now having to file XXXX XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX requires 40 days to post mortgage payments to consumers account. XXXX XXXX XXXX does not communicate this with the credit department within the XXXX XXXX XXXX XXXX. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of XXXX XXXX XXXX and has yet to be posted in the month of XXXX. XXXX  says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 Violations = {$7000.00} XXXX see attached documents ) According to the provisions of the Fair Credit Reporting Act 15 USC 1692g a- ( 3 ), a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Assumed means not true or real : deliberately pretended or feigned : false, fictitious. The law DOES NOT state a debt collector or creditor can validate debt. The consumer is the ONLY PERSON, who can validate debt and you must furnish proof to the consumer including the application and/or contract with signature. This is a violation, based off recent disputes I have done with Transunion, multiple violations totaling {$7000.00} with a breakdown of {$1000.00} for each violation totaling 7. I have disputed, and this was not done at all. Instead, I have received updates via mail and online with the following message : The information you disputed has been verified as accurate. Verified with who? I, the consumer, have stated this debt is not mine and I have received NO documentation at all. You have violated my consumer rights multiple times. I repeat, I am the consumer, and the debt is not mine. I do not owe any of the debt mentioned above because I am the consumer, and I am not obligated to pay. 

In addition, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am, also, requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Product: Debt collection

Contacted via phone and email along with written correspondence sent via certified mail. Including identity theft paperwork sent by them .. I also dont included police records # and Identity theft report #
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.
Product: Credit reporting or other personal consumer reports

Fraudulent Account and Inquiry appeared on my Credit Report. From : 1. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX
Product: Checking or savings account

In XXXX Citi Bank closed my account without any explanation and i had a balance of {$710.00} in the account. Citi claimed that they mailed me a check of the remaining balance to my adddtess on XXXX. I called back after 14 business days as I never received the check. On 4 different occasions, a representive told me that they emailed the department who issues the check and as of XX/XX/11, no new notes have been added. Citi has not been transparent throughout this process and no one on their security or speciality team has been able to assist me over the phone. The department who issued the check can not b reached by phone so i am not getting any feedback on whats happening with my funds. This has been extremely frustrating as my account has been closed for 2 months and still havent gotten my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX for account number 1.Department of Education acct XXXX XXXX 2.XXXX XXXX  acct # XXXX 3.XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.
Product: Debt collection

Diversified consultnts-XXXX I have told them several time that this not mines and doesnt know anything about this account. They taken it off my credit serveral times but somehow it appears back on my report. Please remove this collection as this is not mine
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting, Failure to Investigate Disputes, and Refusal to Disclose Verification Methods XXXX  XXXX XXXX, XXXX, and XXXX Accounts Dear Equifax, XXXX am writing to express my frustration and formally dispute the continued reporting of inaccurate information on my credit report regarding the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX Despite multiple disputes and detailed requests for corrections, the inaccuracies persist across all three accounts, reflecting a systemic failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA : 15 U.S. Code 1681e ( b ) : Failure to Ensure Accuracy Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued reporting of inaccurate information for these accounts indicates a violation of this responsibility.

15 U.S. Code 1681i : Inadequate Investigation of Disputes Under this provision, credit reporting agencies must conduct a thorough investigation when a consumer disputes information. The repeated failure to resolve inaccuracies suggests a lack of proper investigation procedures. 

FCRA Section 611 : Refusal to Disclose Verification Methods I have repeatedly requested the methods of verification for previous disputes. Equifaxs failure to provide this information undermines my ability to assess the validity of the investigations conducted. 

Request for Deletion and Damages Due to the failure to verify or correct inaccuracies and provide required information, I am formally requesting the deletion [ DA ] of all three accounts XXXX XXXX  XXXX XXXX, XXXX, and XXXX ) from my credit report. 

This request is supported by the following : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion If any information is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Furnishers Responsibilities Furnishers of information, such as the financial institutions in question, are obligated to provide accurate data and conduct investigations when disputes arise. Their failure to fulfill this obligation justifies the deletion of these accounts.

15 U.S. Code 1681n : Civil Liability for Willful Noncompliance Given the ongoing inaccuracies, I am attaching an invoice for damages incurred, including lost opportunities and emotional distress, directly resulting from Equifaxs noncompliance with the FCRA. 

I am attaching the invoices, along with my SSN and driver 's license, for your reference. 

Final Notice Failure to address these issues and comply with the FCRA will leave me with no alternative but to pursue further legal action to protect my rights. I expect prompt action to resolve this matter comprehensively. 

Sincerely, 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, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXXXXXX 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, credit repair services, or other personal consumer reports

I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. XXXX card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Product: Debt collection

Upon reviewing my latest credit report, I identified multiple accounts that seem to be fraudulent and were added without my consent.
Product: Debt collection

I do not have any responsibility for the debt that the Zion Debt Holdings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is trying to collect and harass me in the process. They claim that I owe {$130.00}. Breakdown for this amount is : XXXX XXXX XXXX charges : {$47.00} Interest : {$22.00} ZION DEBT Collection Fee : {$600.00} Total : {$130.00} They contacted for collection through text first time on XX/XX/XXXX without my consent and knowing the full story. The amount that I have been charged is fraudulent. I cancelled my service with XXXX XXXX XXXX in the month of XXXX of XXXX itself over phone call. But I saw credit card charges in the month of XX/XX/XXXX as well. When I spoke to their customer service, they told me that it required XXXX notice and they said that they did not initiate the process on their side in the month of XXXX. They initiated the process again and I completed the confirmation through XXXX in XX/XX/XXXX. I am attaching proof of that with this complaint. But XXXX did not stop the billing even after 30 days from my written cancellation in XX/XX/XXXX. I continued to get charged in the month of XX/XX/XXXX and XX/XX/XXXX. At this point of time, I called XXXX again and they asked me to complete cancellation through XXXX again. I had to do it third time. I have the email proof from XXXX of XXXX as well of this cancellation for the third time. Please find it included. At that point of time, I disputed the charges for 2 months with my Credit Card company because those were all fraudulent. They had my credit card information and they misused it. They should not have charged anything starting from XXXX of XXXX after I was confirmed over phone that my account was closed. 
XXXX XXXX XXXX sent me these collection notices and texts without any solid background research, proof, and my consent. When I told them the whole story, they told me that I did not cancel at all. They asked me to provide any proof that would validate that I cancelled my service. I asked them the copy of all charges and payments. They sent me the invoice and I sent them my cancellation proof. Based on this invoice and my evidence/proof, I do not owe any amount to anyone. After I sent them the proof, they did not respond for several weeks. And suddenly on XX/XX/XXXX, they informed me through text message that they paid my owed amount to Brinks from their pocket and reported it to Credit Bureaus. 
Considering these circumstance and evidence that I provided, I believe that Zion Debt Holdings intent is to some how extract money from me. They have harassed me enough and I have no other option left than to reach out for help to consumer agencies. There are several negative reports on Internet on their means to handle such cases. 
I am seeking the following from Zion Debt Holdings : XXXX. Accept their mistake and write a sorry letter to me XXXX. Full deletion from Credit Bureaus XXXX. Pay me at least {$100000.00} for my time, disturbing mental peace and causing harassment to me and my family. 
I am attaching all the documents and my email exchange with Zion Debt Holdings.
Product: Debt collection

I have disputed this debt and asked for verification of my responsibility for the account but never received it.
Product: Credit card or prepaid card

I went to a local TJMaxx store for some purchases. When the cashier was ring me up she asked me if I wanted a rewards card where I could get discounts when I made purchases in the store. I asked her '' you mean like a XXXX reward card '' and she said yes. she asked for my Drivers license and the next thing I knew she said it was declined. I then asked her was this for a rewards card because why would a reward card decline? and she answered yes. I insisted something was not right about it and she got a manager who informed me it was for a credit card. I was very upset and told then they needed to train their staff better and if I had of known it was for a credit card I would not have done it. I am not sure how the inquiry even hit on my credit because she never obtained my SSN, but it did. I sent a letter to TJMaxx corporate office, but I never received a response back and I also sent 2 letters to Synchrony Bank, who did respond both times and even stated that I had provided my SSN and my income, which was absolutely incorrect. I will NEVER get a card at a store again.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquire on report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX and natural person, was denied credit by XXXX XXXX  XXXX  when I applied, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 form from the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). 
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. 
XXXXXXXX XXXX XXXX is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX15 U.S.C 1602 ( p ).
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. listed on my fraud report & listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to inform you that I am chasing for my {$10000.00} in between two banks ( Wellsfargo and XXXX ) and nobody answer that where is my money and how to get it. 
My transaction details : 1 ) Date : XXXX, Bank : Welsfargo, Description : Transfer Money Welfargo to XXXX  {$10000.00} 2 ) Date : XXXX, Bank : XXXX, Description : Received Money {$10000.00} XXXX ) Date : XXXX, Bank : Welsfargo, Description : I have closed AC XXXX ) XXXX : XXXX, Bank : XXXX, Description : Sent back to Welfargo {$10000.00} I went to Welsfargo bank in person for my money but they told with in week your Money will be credited to XXXX. 
After week I called XXXX but they told we didn`t received your Money and I went to Welsfargo for my Money but they told we closed your AC and we don`t have your Money you have to check with XXXX. Both bank redirect to me each other but no one answer me where is my money. 
Yesterday ( XXXX ) Welsfargo shared document and mention that your money with XXXX XXXX XXXX for clearance so you must contact XXXX. 
I went to XXXX XXXX XXXX  today ( XXXX ) and they told we are third party bank so you must check with Welsfargo for further details and Welfargo should contact us.