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

Equifax breach : confirmation that I was affected by the breach and refuse to process or allow access to the promised credit monitoring. I have completed the enrollment application 5 days ago, and still have not been granted access to the credit monitoring. I have called Equifax on numerous occasions and have been given phone numbers to Equifax automated systems and other departments, none of which could or would provide any assistance. Two of the 10 employees include XXXX # XXXX and XXXX # XXXX. XXXX informed me that my enrollment application could not be located, and he could n't help me, and told me to complete the enrollment again. I 've completed the enrollment 4 times, and still have n't received the confirmation email to finalize the enrollment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Listed below are the XXXX that are being challenged XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX and Schrier Tolin & Wagman , LLC had not sent the validation of debt within the required time since the date of which the debt validation was requested on, XX/XX/year>, approximately sending the validation letter more than XXXX days after, violating the fair debt collection practices act. Also going into litigation prior to validating the debt of which I had requested to verify beyond the time required for XXXX to verify.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$990.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

15 USC 6802 which states '' It is the policy of the FCRA that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I request that late payments and/or XXXX XXXX XXXX account be deleted and removed. You continue to violate my rights under the United States Constitution. There are FCRA law put in place to protect consumers against bullies like this.
Product: Debt collection

On XXXX/XXXX/XXXX, XXXX began reporting a debt that was already being reported by a collection agency - XXXX which showed an assigned date of XXXX/XXXX/XXXX. XXXX XXXX XXXX reaged this account and began double reporting the same account concurrently with XXXX. This debt did not belong to me, the original creditor applied charges to my former account instead of creating a new account for my ex-husband for the services received. I worked with XXXX and they have removed the account and returned the account to the original creditor. 

I have attempted twice to contact XXXX XXXX to verify/validate the debt/dispute with the information above. XXXX XXXX has failed to respond to my requests for validation.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I paid off my Bank of America AAA credit card. I paid the balance off and in full. The balance was {$2900.00}. 

When I got my statement which was for the period XX/XX/XXXX - XX/XX/2020, it had an interest charge of {$30.00}. The date of the interest charge was XX/XX/2020. 

I talked to customer service but I still do not understand how if I pay the balance off in full, they can continue to charge me interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft from Equifax XXXX  breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX  Bureaus. XXXX  has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest one is from XXXX XXXX XXXX XXXX XXXX XXXX   was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.
Product: Credit reporting or other personal consumer reports

I was unable to freeze my Clarity Services XXXX XXXX credit report online. I called, and they told me that I needed to mail them a copy of my social security card. This is an absurd condition of a freeze of access to my private information. 

My issue is deeper. My identity has been stolen three times by hacks to my health insurance companies. These have all been through my XXXX health insurance, first as a XXXX  XXXX  and now as a XXXX. I'm also aware that Social Security itself was hacked this year, though we haven't been supplied the information to know whether our particular identities were stolen. Of course, it doesn't matter at this point. Mine is basically public information. 

I've placed freezes on the big XXXX and XXXX. Clarity Services XXXX XXXX is the other major one I've heard is used for fraud. That they are demanding a copy of my social security card in order to set a freeze is ridiculous. Though of course this whole system is ridiculous and unsafe and basically promotes fraud. 

I'll contact my U.S. Rep and Senator today. Hopefully this gets put in some file where if there are more than a million someone actually cares. I have little hope.
Product: Credit reporting or other personal consumer reports

This is my refiling of my complaint to EQUIFAX for taking no action on correcting and removing the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Debt collection

Crown Asset Management purchased debt from XXXX XXXX that I owed I paid the debt to Crown Asset Management however they are still reporting the debt as delinquent even after the debt has been paid as of XX/XX/19.
Product: Debt collection

I have asked Financial Control Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

I don't recall having a contractual relationship with this collection company TRANSWORLD. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

This XXXX account was deleted from my equifax credit report and equifax put it back in my credit report the investigation was finished and the account was deleted from my credit file it has not been reinserted back into my credit file the credit law says that and account that has been deleted can not be inserted back into a credit report i have attached documents that prove this account is fraud
Product: Debt collection

I was contacted XX/XX/21 by voice mail from a woman stating she was from service dispatch and she attempted to deliver a summons to me at my address. She proceeded to say the attempt would be made again and if the name address is incorrect I must call XXXX and speak to the company holding this debt which is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX. Otherwise I would not be receiving further communication for legal process to begin. You have been notified. I called their office and gave them my case # XXXX-XXXX. A man named XXXX XXXX stated I owe a debt from a Visa card with Wells Fargo and it was from XXXX. He then proceeded to say they could place a lien on my home and although this is no longer on my credit report they can still collect on this debt for XXXX more years. I advised I was not aware of this card. He said dont you check your credit report? He then said the balance is {$7400.00} because of legal fees and interest. I said I do not have that kind of money. I would have to get a loan. He said hold on let me see if they will give an extension. He then came back to the line and said your extension would only be until Fri. XX/XX/21 and the settlement amount will be {$2900.00}. He then asked my email address to send me the paperwork and told me it would need signed. When I received the document it listed my social security number all of it on this piece of paper. Also the deadline date on the paperwork did not match what he told me verbally. The date on the paperwork stated deadline of XX/XX/21 which is today the date of our conversation. I opened it and printed it out but did not sign anything and will not. He told me if I decided to pay to call back and the debt could be pays by debit or credit card or electronic check. This all concerns me because I was notified by my HR Department back in XXXX or XXXX that someone stole my personal information and placed a claim with my employer under my name for unemployment benefits. I was so shaken up that I didnt ask any particulars such as their license number and if they could collect in West Virginia, or to request they send me documentation from Wells Fargo on this debt. I also advised I have never received anything in the mail from Wells Fargo or those Law Firm. He said well we have sent things. I stated the fact that I have never received anything at my home address. I am unsure what to do. Is this a scam? The statute of limitations for WV is 10 years. Also at the bottom of the document it states to not share any part of this message to any third party without written consent of the sender! This cant be legal?!! I am truly afraid and not sure where to turn or know what my next step should be? Please help! XXXX XXXX XXXX
Product: Consumer Loan

I went to the Well Fargo banks web site to get information on refinancing my current auto load ( Well Fargo web page attached 3.83 % if a banking customer ). When I went to the bank I told them specifically I wanted to # 1 lower my interest rate on my other car loan ( 4.99 % Note : not with WF ) and # 2 also wanted to put more money down to take out a smaller loan amount ( XXXX more down ). I told them my XXXX score was in the low XXXX 's ( Note : I was within XXXX points of what I told when they checked my score online ), I provided the last 2 years of XXXX 's to prove income of over XXXX. I have no debt other than the car loan and own XXXX houses outright. I stayed there at the Well Fargo bank for 3 hours and at the end of the process they came back with a 6.6 % APR on a loan of XXXX. They told me I needed a XXXX score in the XXXX 's to get the web 's lowest advertised rate. One would think that before they financially damaged me by lowering my credit score ( credit check ) to do the application they would have said I needed an XXXX+ XXXX score to get the false advertised rate that XXXX could n't meet the criteria for. I believe that the ad saying " must have excellent credit '' is totally misleading and should state the XXXX score they are looking for. I feel that it was like a bate and switch scheme to get you to come in so that they can sell you a product that does fit your needs or goals, even when you tell them upfront what you are looking for. Plus they did financial damage by lowering my XXXX score for this waste of time! They could have given me an answer within 30 minutes that my XXXX did n't meet their criteria for a lower rate than what I had. Well Fargo seems to have reboots that just punch numbers into the computer without knowing the product they are selling nor what the underwriting department is looking for in terms of a simple XXXX score. They should have a simply computer worksheet to plug in the numbers to get an estimated quote without checking you credit first or going thru the complete application process. People that come in to refinance are not there to get hidden higher rates as WF tried with myself ; a smaller loan with a high 6.6 % rate I do n't win there yes lower monthly payment due to me taking out a smaller loan but higher interest ; I end up paying more in the long run ( very deceptive practice ) if you are not savvy to catch it.