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

Please Help on XX/XX/1922 I called XXXX to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from XXXX is telling me something else and stating that this inquiry is to remain on my credit file? XXXX is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.
Product: Checking or savings account

On XX/XX/XXXX, my car was broken into and my wallet stolen. I received a fraudulent text from Truist bank and replied NO to NOT authorize the transaction. Yet there were nearly XXXX $ of transactions that were attempted between my business and personal cards. Some transactions were denied on my personal account, but my business account was heavily used. There was a gas station amount for XXXX and a XXXX transaction for XXXX that were allowed to go through. After filing a claim with the bank ( XXXX hrs after the crime was done ) I then contacted the XXXX XXXX ( XXXX XXXX police department and filed a report with them. The police have the suspect and WILL be pressing charges. Yet Truist bank sent me a letter saying my claim was denied and I authorized the transactions. I did no such thing, and they found the person who broke into my car and took my wallet. I am dumbfounded how the police has the perpetrator yet the bank is denying the charge. How is that even possible? I was at home sleeping and have ring camera footage that I was home during the transaction period and the police have footage of the suspect in the merchants using my card UNAUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Checking or savings account

I transferred money into my old checking account with Current on accident. I was told the account was previously closed, but they reopened my account to accept my deposit. It is illegal to reopen a closed account to accept money without my consent After lying about the status of my account for weeks, I was finally told that the account was on hold. I requested that the account be closed and the money be sent back to me. The company closed the account and kept my {$400.00} balance. Ive called several times, but they hang up when they see my phone number. Ive emailed them over XXXX times and have yet to receive a response about where my money is.
Product: Credit reporting or other personal consumer reports

Thank you for removing some items from my file that resulted from alleged identity theft. However, there are still remaining items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed on an Identity Theft Report. Enclosed is a new Identity Theft Report # XXXX. This issue was mentioned in a previous complaint and is reiterated here. My attorney has been informed of my intentions and is prepared to hold you accountable for any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed XXXX {$150.00}. You have XXXX business days to remove these items from my credit file, which resulted from alleged identity theft. I do not consent to XXXX or any form of automated verification.
Product: Debt collection

I attempted to work with XXXX XXXX to XXXX ) move my scheduled payment dates to align with my new job, this they rejected which caused me to miss payments. XXXX ) I called them to attempt a reasonable payment plan given my low income. They initially offered a payment plan but it was too high at the time. They instead repossessed my car and sold my debt to a debt collection agency and refused to work with me. BCG Equities LLC ( company that bought my debt ) since closed my account and reported it to the major credit bureaus. I was able to work a payment plan through my debt relief company and have successfully paid off what has been owed ( and sold to them ). I have mailed several letters to kindly ask for a removal of this account from my credit in which they have not responded.
Product: Credit card

I requested a credit increase and another card for my husband from XXXX visa/comenity bank. I did n't get a phone call or anything. Just a letter that stated that they could n't reach me therefore they could n't honor my request. I called and I spoke with a supervisor. She said in the notes, it said that they tried to call me but there was no number on the credit bureau report to call me on. So, my question is, how did you call me? My husband needs another card and I would like to have my limit increased. I need someone to call me to get this situated immediately.
Product: Debt collection

Recieved phone text XX/XX/scrub>XXXX XXXX XXXX  " TSI a debt collector, will send you account updates regarding your XXXX XXXX XXXX  of MsgsVaries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtsicoXXXX XXXX to opt out. '' I believe this is scam, I don't have a XXXX XXXX
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.

List of Unauthorized 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 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: Money transfer, virtual currency, or money service

my account was getting hacked by a scammer and I called everytime and i even got a police report they will not refund my money and keep giving me the run around
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( 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 by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Checking or savings account

I submitted an application to the XXXX program on XXXX ( Block, Inc. ). I was asked to provide the list of products for sale and complied. I was told the products were allowed for sale and had to provide Certificates of Analysis for content of our products ( COA 's ). I got the COA 's, uploaded and my account was cleared by 'Square Compliance '. A week later, I was informed via email from 'Square Compliance ' that the account was deactivated. No reason was given. We we're referred to the entire 'general terms ' document. The online portal showed the account ( and payment processing ) as active. I asked for a reason and clarification ( through support email ) and the response was the account was, indeed, deactivated and to read sections 12 and 13 of the general terms and conditions, which states they can terminate for any reason at any time. They still have not given me a clear answer as to why the account was deactivated after being approved just one week prior. Square ( Block, Inc. ) seems to be intentionally misleading customers to participate in the XXXX program in order to collect monthly service fees and then promptly deactivating the accounts for no reason. I'm curious if they can even process payments for XXXX merchants through their proprietary network/providers? This program seems like a scam and square appears to be deliberately misleading consumers and failing to be transparent with the process. Also, it has been over 7 days since the initial email I received from Square Compliance and my account still shows as active, accepting orders and accepting payments and there is no note about deactivation anywhere in messages or on the dashboard. Why is there a disconnect and for so long?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for their repeated violations of the Fair Credit Reporting Act ( FCRA ) and the ongoing harm they have caused me. For over a year, Ive been disputing inaccurate information on my credit report, and despite my efforts including sending detailed certified mail.Equifax has refused to properly investigate or remove the errors. Their failure to follow the law has had a real and lasting impact on my life. 

I know the CFPB recently sued XXXX for similar behavior, including sham investigations and failing to comply with the FCRA. Equifax is no different. Theyve ignored their responsibilities under 15 U.S.C. 1681i by failing to investigate my disputes properly and relying on automated systems like e-OSCAR instead of conducting a real review. It feels like theyre letting a machine decide my financial future, and thats not only unfair, its illegal. 

Equifax has also violated 15 U.S.C. 1681a ( 2 ), which says that information about transactions or experiences with a business shouldnt be included on my credit report unless Ive been given clear disclosures and a chance to opt out. Ive never received such disclosures, and yet Equifax continues to verify these accounts as accurate without providing proof. Where is the evidence? 

On top of this, theyve failed to provide me with certified documentation supporting these accounts within the required 30 days. This alone should have been grounds to remove the disputed items, but instead, theyve ignored the law and left the harmful inaccuracies on my report. 

I also want to point out that my personal information was compromised in the 2017 Equifax data breach. This makes their negligence even more unacceptable. After everything thats happened, I take my personal information very seriously, but its clear Equifax doesnt. Their actions or lack thereof have caused me financial harm, stress, and frustration, and it feels like they simply dont care about the damage theyre doing to people like me. 

I have records of certified letters and receipts documenting their violations, and Im prepared to take further action if necessary. At this point, I believe Equifax should compensate me {$2000.00} for the harm their negligence has caused. Their refusal to follow the law and their reckless behavior can not go unchecked. 

I urge the CFPB to hold Equifax accountable, just as theyve done with XXXX. The damage caused by these credit reporting agencies is real, and its about time they face consequences for their actions. Thank you for standing up for consumers like me and for taking this issue seriously.
Product: Student loan

In XXXX it took out a student loan with Sallie Mae for {$21000.00} to help pay for college. At the time I thought the loan was federal but unfortunately it was a private loan. They NEVER informed me how much I would owe for the life of the loan, they NEVER informed me that I should be making payments while I was in school because they were going to add so much interest that it would triple the loan and now I currently owe {$61000.00}. I finished school in XXXX and I don't make close to {$61000.00} a year, I have three children who I raise on my own, my rent is {$1700.00}. The life of the loan would be 22 years pay off date XXXX/XXXX/XXXX if I was able to pay {$560.00} a month which I can not. If I continue on the rate reduction program which they have me in now ( payments still too much ) I would probably owe double what I owe now. Which would add more interest over the next 5-10 years. This is because when they started payment I wasn't done with school they gave me no options except for FORBEARANCE which continued to add interest on the loan. This was deceptive and unfair. They planned to do this from the beginning of the loan. I'm not sure what to do because this is affecting my life as well as my children. I also have late payments on my credit which is affecting me as well when I pay them what I can on time. The only option this give now is rate reduction program. Those payments only go towards the interest and not the principle of the loan which I'm sure I'll owe double what I owe now by the time this is over probably when I'm dead. So much for the American dream. It is more like a nightmare. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these account with XXXX XXXX and Equifax for over a year now and they still have not been resolved. This is affecting my life terribly. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX on XX/XX/XXXX {$2200.00} Company XXXX XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

Case number:XXXX Old addresses and information needs to be deleted Birth date incorrect Civil infraction tickets old and incorrect because no conviction should be removed Name is not correct many times Email addresses belonging to someone named XXXX Addresses belonging to XXXX ( not me ) So many addresses that belong to others.
Product: Debt collection

I being receiving excessive amount calls throughout the day. They also reported to XXXX  as a collection affecting my credit score. I wrote them a letter asking for Debt Verification with no answers. I also tried to obtained more information about my debt and make sure they were charge the right person since the amount charged its super high.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX INQUIRIES ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT XXXX, XXXX, XXXX, XXXX AND PLACES THAT ARE UNKNOWN. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXX, AND THIS IS ELDER ABUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has recently added a collection account to my credit report. After finding out about this account I reached out to XXXX and was informed this was a delinquent account attached to a business. When asked how much was the debt amount they told me they were not sure, but on my credit report it stated {$130.00}. I then asked what did they need from me to show I was not responsible for this debt and it was not mine, they stated they would call me back. I called the next day and at this point I was told the debt was actually $ XXXX and it was based on charge backs from a XXXX business. At this point I again asked them what they need to prove this was not my debt, they stated they would not accept anything other than payment or payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already  done to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXXXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.