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

Upon reviewing my credit report during the month of XXXX i identify several inquiries that i had never authorized. they are : XXXX, XXXX, equifax mortgage reporters, XXXX XXXX XXXX, Equifax XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. 
I have called XXXX, and XXXX, i have also sent a letter to equifax. till now no answer
Product: Credit reporting or other personal consumer reports

My " myEquifax '' online STILL has absolutely no information on my Equifax credit report even though I have 6 credit card accounts that are valid and current. XXXX XXXXXXXX XXXX XXXX are reporting my information correctly and religiously yet Equifax has refused to do so. It should be noted, XXXX and XXXX does not force me to continuously verify information that was already verified! The last time Equifax reported my 6 credit card accounts was on XX/XX/year> that reflected a credit score of XXXX. This is not the first time I am dealing with this negligent anomaly from Equifax thru out the past 5 years. Furthermore, this anomaly ironically seemed to surface when I stopped paying for the site. 
Please be advised, I have already verified my identity and address with Equifax since up until XX/XX/scrub>XXXX  I could access my credit score and see my 6 credit card accounts on the myEquifax site. Therefore, to CONTINUALLY request the SAME information over and over to process is egregiously negligent. Equifax is purposely being defiant and extorting people by purposely withholding their credit information. I know of others who are having the same issue with myEquifax, yet once they subscribed, no additional verification was needed. What a coincident! Equifax is forcing people to subscribe by withholding their credit information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I've recieved information from the Credit Bureau that my Chapter US BKPT CT NC XXXX Public Record REF # XXXX .... 

Remains The company that reported the information has certified to XXXX and TransUnion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

However, when I contacted the company they had reported that they could not find the item on my report was inaccurate and deleted from their records. XXXX and TransUnion has yet to delete this from my report. The company does not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  and TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ).

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a wire transfer in the amount of {$45000.00} from my bank account was stopped by my bank, Chase, because '' they believed it to be inconsistent with my history. '' On XX/XX/XXXX A second wire transfer in the amount of {$45000.00} was stopped for the same reason. 
ON XX/XX/XXXX a wire transfer in the amount of {$44000.00} was stopped for the same reason. 
On XX/XX/XXXX a wire transfer in t he amount of {$44000.00} was release to a bank in California without any authorization or contact with me. 
I have XXXX letter from Chase bank stating these transactions ocurred, which I unfortunately received after the fraud had been committee as they did not call me, but sent them through the mail. 
Chase bank has denied my claim for a reimbursement. They stated I was a victim of a scam not fraud. 
It's obvious we are both victims of a crime. 
The difference being I immediately went to the bank and : 1. Closed my account 2. changed password 3. changed i.d .

4. changed bank email address 5. spent hours with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, trying to figure out what had occurred. 
Chase bank on the other hand had allowed a wire transfer of {$44000.00} of hard earned money to be sent to California. 
They did this without ever having any contact with me. Without having any verbal or written confirmation or permission to release these funds. 
I put my money in the care of Chase bank expecting them to live up to their responsibility of caring for and protect my retirement money, THIS DID NOT HAPPEN!!!!!!!!
Product: Debt collection

I participated in a program for a free phone from XXXX XXXX but after finding there was hidden fees and rules I decided to return it. I was to return the phone and I would receive a refund and all further charges stopped. That never happened instead they continued to charge me for a phone I had returned. after contacting XXXX with XXXX  on the line we were told the item was infact in the warehouse and that they would fix the issue, but that also never happened. In order to rectify their mistake of automated charges they we're issuing me refunds. One of the final times we spoke the representative said the issue was they weren't issuing the entire credit to absolve the debt, but she would and i wouldn't receive anything else. Some time passed after and I received a letter from Credit Collections Services in XXXX MA stating they would send me to collections if I didn't provide documents stating otherwise in approx14 days. I provided the information promptly stating that I didn't owe any debt and that the information was false. I. e. tracking number, invoice and email ; requesting they not move any further according to the law and my rights. Unfortunately, they have decided to move forward even though I've shown multiple documentations explaining in depth that there is no unpaid order, they are violating Fair Debt Collections Practices Act, section 809 ( b ). XXXX shortly thereafter emailed me requesting the payment as well as the Credit Collections Services, both attempting to collect. I do not have any devices or unpaid orders ( the date included in the bottom of the photo ). 

XX/XX/XXXX ordered. {$27.00} XX/XX/XXXX return issued. {$0.00} due XX/XX/XXXX sent XXXX XXXX  returns. 
XXXX phone arrived at XXXX facility and return issued again. 
XX/XX/XXXX charged {$28.00} XX/XX/XXXX refunded {$28.00} because the phone was returned {$0.00} due XX/XX/XXXX received collections letter dated XX/XX/XXXX in the amount of XXXX. 
XX/XX/XXXX disputed the claim with Credit Collections services XX/XX/XXXX received an email from XXXX requesting {$390.00} XX/XX/XXXX received letter from collection saying they are proceeding to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX  XXXX XXXX XXXX   Original creditor XXXX  Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX  XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX I CREATE AN ACCOUNT FOR TRANSFER MY MONEY ( XXXX ) FROM XXXX ( XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  XXXX. MY MONEY DIDN'T ARRIVE SAFFETELY THEY SEND ME REQUIREMENTS OF MY PERSONAL INFORMATION OF THE ACCOUNT IN EMAILS. THEN MY DEBIT CARD THAT WAS PROVIDED FOR MAKE THE TRANSFER, THEY TRY TO MAKE CHARGES IN DIFFERENT STORES OF CALIFORNIA IN XXXX I WAS VICTIM DE SCAM OR FRAUD AFTER THEY MAKE THE CHARGE APPROVED BY ME. MY MONEY WAS DEBITED FROM MY BANK ACCOUNT ( XXXX ) WITHOUT AUTORIZATION. VIOLATING MY SECURITY INFORMATION THEY GIVE ME A RESOLUTION OF REFUND MY FUNDS. THE NEXT DAY THE TOLD ME THEY WON'T REFUND ME BECAUSE WHAT HIS AGENTS SAID WAS NOT GUARANTEED IN THESE DAYS. AGENTS HANG UP MY CALLS.AND DIDN'T TRATE ME WITH RESPECT. MY XXXX BANK ACCOUNT IS NOW IN INVESTIGATION OF XXXX. I DONT HAVE ACCESS, I WAS TRYING TO LOOK VERY CLOSE WHAT HAPPEN AND I GUESS I HAVE A XXXX ( PHONE WITH XXXX  ) I CONNECT TO A LOT OF WI-FI IN AIRPORTS AND ONE OF THE COMPANY REMITLY STOLE MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Warning! Govern yourselves accordingly, Before i get to the aspects of my complaint I would like Equifax to know I've contacted my Secretary Of State to provide me the address to serve Equifax 's registered agent a federal Lawsuit for multiple negligent non-compliance violations. So Equifax Attached is the Cover Letter of Lawsuit papers i will issue if you dismiss my request one final time. 

Issue : Equifax removed items that were in dispute once, then lateXX/XX/XXXX they reinserted the negative information without properly informing me via a Letter and FCRA guildlines : FCRA 611 ( a ) ( 5 ) ( iii )  reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

DELETE THESE ACCOUNTS OTHERWISE I WILL FILE A LAWSUIT WITH OBVIOUS PROOF OF YOUR FAILURES. 
Accounts:1 ) XXXX XXXX XXXX 2 ) XXXX via Portfolio, 3 ) XXXX via XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing items on my credit report since XX/XX/2021 with TransUnion, XXXX  and XXXX. To date I've never received any documentation from TransUnion, XXXX, or XXXX with verification and reinvestigation of the items in question as requested. Instead, TransUnion XXXX and XXXX continue to report obvious inaccuracies on my credit report and because of this it has caused harm to my credit worthiness. I'm also attaching the dispute letters sent to TransUnion, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiry on my credit file unless I have authorized it. 
XXXX, XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently asked for a review of an account on my credit report to check if it's complete and correct. It seems they didn't do a proper investigation. I believe the information on my credit report is still wrong and missing details. This is causing me a lot of stress and making me feel very sad. Please help me ; I feel like my life is falling apart. 

Please understand that I am the person submitting this dispute, not someone else on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$4300.00} DPT ED XXXX XXXX {$3500.00} DPT ED XXXX XXXX {$150.00} DPT ED XXXX XXXX {$700.00} XXXX XXXX {$2400.00}
Product: Checking or savings account

EMERGENCY NO ACCESS TO USAA BANK FUNDS USAA Bank is REFUSING me access to my funds by NOT sending replacement cards to a XXXX address ; the bank sent our cards in XXXX XXXX. We have been without access to our funds since XXXX XXXX XXXX ( US ) ; XXXX XX/XX/XXXX ( XXXX ), my birthday, when USAA Bank canceled our card sent to XXXX without notification. We have no access to our bank account funds and are Forced to go to the United States Embassy for help. We no longer have cash on hand. 

Today marks 1 month ; without access to our account ending XXXX. 

I am a XXXX XXXX  XXXXXXXX Veteran, and this continued situation that has been going on for over a decade aggravates my service-connected XXXX of XXXX  and XXXX. 

Attached 43 Page Explaining Criminal Activity on Account. 50 Attached Supporting Documentation.
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. 
XXXXXXXX XXXX XXXX, XXXXXXXX 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.
Product: Payday loan, title loan, or personal loan

I've been a victim of predatory lending from XXXX. I turned vehicle over to lender in 2017. I have paid owed amount {$1800.00}, several times over. Predatory practices with extremely high interest continues to pile up to over {$8000.00}. I am now low vision and on permanent XXXX, yet company harasses and refuses anything but large amount of money. I live on fixed low income. I have disputed twice but it simply updates debt and adds more owed. Please help me!
Product: Debt collection

I recently pulled my credit reports and discovered that I had a collection on there from Credit Management LP and the date the debt was assigned was XX/XX/2017. On the report it states that I had an original balance of {$80.00} and that my current balance was {$0.00}. After doing some research on what and where this debt could have came from, I discovered that it was from when I stayed in an apartment where cable was provided. I turned in all the equipment that was issued to me and now I am wondering why is this particular debt on ALL three of my credit reports. I did not have any knowledge of this debt and it is not fair for this to be reporting negative on my reports hindering me. If I do not owe anything then why are they reporting negative against me.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. TransUnion has violated my rights by furnishing false inquires on my report. I've asked for the proper documentation multiple times and still have not received a response. Additionally, I have not given TRANSUNION, XXXX, AND XXXX permission to furnish this information. This a violation of 15 USC 1681 ( B ) ( C ). BOTH of my consumer and privacy rights are being violated. 

I am demanding removal of these inquiries unless you can provide the proper documentation that supports your claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$390.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning XX/XX/2023 i have received an alert from XXXX, XXXX and XXXX XXXX of a new hard inquiry on my credit report from Capital one. I have called capital one already and my account is fine with them. So we believe that someone else has used my info to apply for a credit card with capital one using my info and i have not authorized any application or neither i have done any new application for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX File # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My XXXX XXXX XXXX XXXX  are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( XXXX, Equifax, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX, 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  etc ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. Equifax ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX  and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681.

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA..

The account is : XXXX XXXX