23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Complaint Regarding Unresolved Equifax Data Breach Settlement Claim Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing and unjustified delays in processing my claim for compensation related to the XXXX Equifax data breach. Despite following all necessary procedures, including providing updated personal information that verifies my eligibility, Equifax has failed to resolve my claim or provide any clear timeline for compensation. 

Summary of Events : XXXX ) XXXX : I was a victim of the Equifax data breach. 

XXXX ) XX/XX/XXXX : I filed a claim for out-of-pocket losses and time spent as part of the class action settlement. 

XXXX ) Equifax 's Responses : Over the past year, I have received vague responses from Equifax stating that they can not locate my records and can not provide a timeline for reviewing my appeal. After providing my updated surname and the last XXXX digits of my Social Security Numberinformation that should have confirmed my eligibilityEquifax continues to stall without explanation. 

Despite my compliance with every request for additional information, Equifax has delayed issuing the compensation I am entitled to under the settlement. Their inability or unwillingness to resolve my claim in a timely manner is not only causing financial hardship but also exacerbating the emotional distress I have suffered as a result of the original data breach.
Product: Debt collection

My husband was primary card holder and always addressed as such. I am not a co-signer of this card and there fore not responsible for this card. Since XX/XX/XXXX which was opened in primary card only in his name. In XX/XX/XXXX-XX/XX/XXXX Bank of America added my name to his bill. My husband was fighting XXXX and I was not aware of my name being added nor did I authorize Bank of America to add my name. When my husband XXXX XXXX XX/XX/XXXX sent XXXX certificate to them. I have contacted them many times of their XXXX  and I am not responsible but they insisted that I was responsible. I have been sent paper work from collection agency that was on XX/XX/XXXX. The next communication was from Superior Court that I have to file an Appearance with the court by XX/XX/XXXX which I have done. 
Please note I have mailed out documents by Certified Mail addressing to OCC regarding this complaint, you should be getting it if OCC forwards this information
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX  ( account number : XXXX Below are the specific issues I have identified : 1. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, Experian, and XXXX ). * Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, NCA has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Debt collection

I was told by this firm VENGROFF WILLIAMS IN XXXX, FL that THEY had my license suspended because of an accident my son had. I was no longer in possession of the vehicle due to divorce, and was the sole responsibility of my ex-husband, who was not carrying insurance on the vehicle at the time. 

I was told by XXXX XXXX, Collection Representative of XXXX XXXX in XXXX, FL that they were the ones that suspended my license and if I fill out their " Conditional Release form '' and make a down payment on the money owed on the claim, that they would send me that form so that I can get my license reinstated. I diligently signed the conditional release form and sent everything they asked right back to them. They sent me back a sideways, half scanned " acceptance '' form that was not submitted in its entirety. My state DMV didn't accept that form. I asked for the form to be sent over in its entirety, and she sent me a different form, filled out digitally with not enough information on it, that the DMV STILL didn't accept. When I sent XXXX XXXX an email asking for the original half scanned form to please be sent in its entirety sot that I may go to the DMV yet again to give it to them. She called me up extremely rude and insisted that I sent her the form that way, and started yelling at me. Which is a complete lie, I have all the proof of how I sent over the form and how it was sent to me. After all of this, I came to find out by my DMV that this organization lied to me when they said that the form would be what I need to get my license out of suspension. The DMV pretty much stated that this company lied to me into getting me to sign this form, all I needed to do was to pay the DMV the reinstatement fee directly. They tricked me into signing a form of an accident that was totally not my responsibility. I just need to pay my fees directly with the South Carolina DMV to get my license reinstated. I tried calling the customer service number to speak to a supervisor and started getting the run around. These people practice in a very dishonest fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing in reference to an account that is currently being reported by XXXX XXXX XXXX on my credit report, Account Number : [ Insert Account Number ]. I believe there are inaccuracies in the way this account is being reported, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am also making a formal request for a goodwill deletion of this account from my credit report. 

Dispute of Credit Report Inaccuracy Upon reviewing my credit report, I have identified the following inaccuracies with regard to this account : Inaccuracy # 1 : ( e.g., incorrect balance, inaccurate late payment report, incorrect closure date ) Inaccuracy # 2 : ( e.g., reporting of late payments after the account was closed or settled ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to report accurate information to the credit bureaus. Specifically, under 1681s-2 ( a ) ( 1 ) ( B ), creditors and furnishers of information must correct any inaccuracies or errors that appear in a consumers credit report. I am requesting that you correct these errors immediately to comply with federal law. 

Additionally, under 1681i, the credit reporting agencies must investigate disputes related to any incorrect information reported by a creditor, and I have initiated this process with them as well.
Product: Debt collection

Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. 

XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected PRONTO : XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $  XXXX-Late/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 XXXX $ XXXXLate/Closed Late dates XXXX
Product: Credit reporting or other personal consumer reports

-It has come to my attention that There are unauthorized hard inquires from : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX. I did not authorized and I am requesting that all hard inquires be removed off EXPERIAN, XXXX and XXXX credit reports immediately. 

-Also it has come to my attention that my XXXX XX/XX/XXXX account is not reporting on my consumer credit reporting to XXXX and ask that XXXX account reflect on my credit report. 

-Also my XXXX XXXXXXXX XXXX opens XX/XX/XXXX account was removed off my credit report without my authorization. I'm requesting that XXXX XXXXXXXX XXXX  account be reinstate and reflect on my credit report EXPERIAN, XXXX and XXXX. ( Accuracy of report ) 15 USC 1681e ( b ) USC 1681 section 604
Product: Debt collection

XXXX XXXX XXXX is fraudulently reporting my account as unpaid and in collections with crown assets. This account is paid in full and closed for months how is it that this account is in collections as XX/XX/2020 when its paid in full and in good standing. How can I be in collections on a paid closed account. They must update their files. This fraudulent reporting is damaging my credit status and it must be corrected. With the pandemic and dealing with covid is an unnecessary issue.
Product: Payday loan, title loan, or personal loan

I entered into a loan agreement borrowing {$1000.00} under a 90 day same as cash term loan from an agency called FLEXShopper/XXXX. I did not have the cash or personal credit to pay for repairs and tires to keep my car safe and legal in GA. I was presented with a lending option but was not given correct information about the terms and did not understand that the offer was contingent on payment IN FULL by the end of 90 days or I will be subject to XXXX  billing my card an Additional 42 Weeks @ {$45.00} a week. This was a surprise to me as I was told when I agreed to the terms that only what remains after 90 days would double. 

To date, I have paid this company {$520.00}. I currently have a remaining balance of {$470.00} due in full by XX/XX/19 or they will continue to pull money out of my personal account. I am writing today to file a complaint on this company for its predatory lending practices as these types of loans are marketed only to the poor and clearly designed for people indebted long past 90 days. 

People that do not have access to cash, personal, or store credit are targeted and need protection from these types of lenders and the terms associated with the same as cash loans. It is a type of consumer robbery and should not legal. Misinformation and lack of transparency are deeply embedded in the process. 

Lastly, FlexShopper 's online interface is terrible and offers the consumer very little information about the consumers spending history. They need to make an improvement and show me where my money is and how it is being applied.
Product: Credit reporting or other personal consumer reports

To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Product: Credit reporting or other personal consumer reports

I just obtained my free credit report and saw some inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've did. I'm worried these inquiries will affect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card or prepaid card

I opened an account on XX/XX/XXXX with venmo and I deposited {$200.00} and then immediately after that they said they had to close my account and would hold my money for up to 180 days for no reason and I just want my money and they can disheve whatever the XXXX is wrong with you wherever the sun don't shine cuz I really don't give a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous occasions this year alone ( not even adding the times I reached out about this same concern last year ( XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. 

As I told and asked You ( " TRANSUNION '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report, and to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. 

In addition, I did not give you ( " XXXX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I've demand you ( " TRANSUNION '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. 

In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " TRANSUNION '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 


THIS IS MY LAST TIME REACHING OUT TO REMOVE SUCH INFORMATION FROM MY FILE BEFORE I SEEK LEGAL ACTION AND DAMAGES. 

YOU HAD 30 DAYS TO INVESTIGATE FROM THE DATE OF XX/XX/2022 IT IS NOW XX/XX/2022 TIME IS UP and you have yet to produce any type of verification so I demand Inquiries be deleted/removed. 

Send such deletion verification to my address ( updated credit file ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 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: Debt collection

My daughter had XXXX  XXXX at XXXX XXXX XXXX and they never sent or sent a CORRECT CPT code to blue cross blue shield. The insurance company stated they will pay it if XXXX XXXX will enter and send them the correct code. I contacted them a year ago to correct this and the insurance company faxed something to cottonwood and they never corrected. I now have BONNEVILLE COLLECTIONS coming after me for XXXX medical bill that my insurance company XXXX  have paid. This has effected my credit very negatively I cant even apply to get a car or house because of an high balance