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

XXXX, XXXX XXXX Equifax continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( 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. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

I am writing to formally express my concerns regarding Chimes handling of disputes, particularly regarding unauthorized charges on my account. I have requested a dispute multiple times and provided all necessary documentation to substantiate my claims, yet Chime continues to deny my claim. Despite clear evidence supporting the unauthorized nature of these transactions, Chime has failed to take appropriate action to resolve the issue. This lack of accountability and unwillingness to assist in recovering lost funds is deeply troubling and raises serious concerns about consumer protection and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In letter dated XX/XX/2022 we were notified by the US department of education federal XXXX aid that our direct plus loan was not approved due to a charge off on the credit report from Equifax. After filing a dispute and credit appeal, Equifax sent notification XXXX XXXX that they have confirmation the charge off account belongs to me. We have inquired about this account and only know it was opened XXXX XXXX with past due {$2200.00} but can not verify any additional information such as the name on the account, what was purchased or where or how the account was opened. The company in question is XXXX. I have called on XX/XX/XXXX and XX/XX/XXXX. The phone number I used was XXXX XXXX XXXX. The XXXX XXXX XXXX went to a XXXX XXXX with no voicemail. XXXX referred me to email them at XXXX. I have emailed them requesting information and to explain there has been an error as this account has been falsified in association with me. 
I also called Equifax XX/XX/XXXX to try to gain information about their verification process. Their system is down and I was asked to call back.
Product: Debt collection

Charge from XXXX is early cancel fee. In 2016 XXXX was to send me a phone next day - no record and follow up call when phone received advised I would be out of phone for several days possibly a week. They were unable to allow me to acquire the same phone from a store. I had just recently been laid off and a phone was a necessity as I did not and do not now have a land line phone. 

I ported the number to XXXX XXXX XXXX the next day - Saturday, I believe. I attempted to resolve the issue on multiple occasions with XXXX to no end. They would not own up that it was their own actions that resulted in my departure. Jefferson Capital is
attempting to collect on a debt accrued in IL in 2016. The statute of limitations is 5 years. I have attempted to ask they remove the collection from my credit report directly and via XXXX ( only agency reporting the debt ) without success.

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to receive a copy of credit report from Equifax since XXXX. Each time I attempted to get my credit report I was told Equifax was NOT able to validate my identity. I have always answered the questions correctly, yet I am denied. I have PDF copies of the questions and my correct answers. I am NOT denied by the other two credit companies. The information Equifax has is incorrect. In XXXX I placed a freeze on the account when I was allowed to do so through emails with links sent directly to me from Equifax. I have my password and username information. I called Equifax today, XX/XX/XXXX, and again was told my identify could not be verified. This predator company is demanding my passport and other information that would prove very damaging to me if released. This company has a history of NOT protecting consumer information. Please help me get a copy of my credit report without sending this company a copy of my passport when the other XXXX  companies have given my a copy without a problem.
Product: Debt collection

Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the credit bureau on XX/XX/2021 about inaccurate accounts that are still on my credit report. I'm filing this complaint because they did not respond within 30 days and they did not conduct a proper investigation and they continue to report inaccurate accounts without providing their method of verification, which are all violations of the FCRA. I have written letters to the furnisher 's like the credit bureau told me to and they are not investigating either. I don't understand this because they law is plain and simple. They must investigate and correct or delete the inaccurate information. Please help me CFPB because they are not following the law and this is ruining my life.
Product: Credit reporting or other personal consumer reports

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed multiple reports on my credit report to all XXXX boroughs. Experian is the only company that wont remove incorrect information even though its already removed successfully from the others.
Product: Credit reporting or other personal consumer reports

I let te company know that it was not me opened account my information was hacked
Product: Money transfer, virtual currency, or money service

No longer able to receive personal type of payments XXXX free, family and friends ) via both of my paypal accounts. 

Company refused to provide justification or allow an appeal process.
Product: Vehicle loan or lease

I paid the 36 months as agreed with Volvo Financial Services with XXXX late payments. The original lease maturity date was XX/XX/year>. I contacted them as I was not sure if I was going to buy another new Volvo or purchase my existing lease vehicle. I contacted them on XX/XX/XXXX and we signed a 1 month lease extension. I made this extra payment a few days later. The new maturity date was now XX/XX/year>. I decided to purchase the vehicle so I obtained financing via a XXXX XXXX. They sent payoff check # XXXX for {$30000.00} in early XXXX. I also called the lease termination department again to advise that I had purchased the vehicle and they would be receiving a payoff check. My wife started receiving collection calls on her cell phone later in XXXX we thought it was spam because the phone number for Volvo Financial never said Volvo and they never left a message as to why they were calling. Finally she answered and that is when we found out we had been send to collections. Apparently they never received the first payoff check. It was received by them and lost or lost in the mail by USPS. I immediately put a stop payment on the original check and had the XXXX XXXX overnight an second payoff check via XXXX  which they received in early XXXX. They are reporting in error on my credit report that I have a balance due of {$1100.00}, a scheduled payment due of {$550.00} and that I am 30 days past due. This is inaccurate and unfair as my credit score dropped from XXXX to XXXX because of this issue. Please help. I am XXXX XXXX XXXX and have never missed a payment in my entire life. I believe their internal systems have a flaw when reporting to a credit bureau when a customer does a lease extension as it is not updating the maturity date causing accounts in report past due in error. I had no payment due to pay.
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 Account Number : 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 contacted Experian to dispute an account that is open my profile. They responded to me saying the account is not listed on my credit report. 

XXXX account number XXXX amount owed is {$0.00} Yet they sent me a copy of my credit report and it is clearly listed on my credit profile. 

I have provided a FTC theft report to them and will attach again. 

I will proceed with litigation under the FCRA if this is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is AN AMENDMENT TO FILED COMPLAIN NUMBER XXXX additional information to previously filed complain, I am referring to complaint number XXXX. 
Attached I am adding proof and verification of employment termination at the XXXX XXXX XXXX and XXXX XXXX therefore SHALL be delete ANY inaccurate information about employers in my file. 
I am requesting to delete both employers from my record since is a disgrace for to have them in my record considering both of them had active participation in identity theft and criminal activities to do wrong on me to cover an spy of their choice. 
All others dispute item remains in disputing until fix and clear my credit report. 

DELETE XXXX XXXX XXXX FROM MY REPORT, it has been more than 10 years I used to work for them, and after 7 years those records shall be deleted is inaccurate. I dont want that XXXX entity in my report, deleted DELETE XXXX XXXX FROM MY REPORT. AS THEY REFUSED TO KNOWING ME AND TO PROVIDE ANY REFERENCE ABOUT ME, AND PARTICIPATED ON IDENTITY THEFT CRIMINAL ACTIVITIES IN MY OPINION I DON'T WANT THEM IN MY REPORT NETHER ITS A DISGRACE FOR MY RECORD.
Product: Checking or savings account

On XX/XX/2019 I attempted to withdrawal {$800.00} from the ATM at my regular bank, XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM disbursed {$780.00} leaving {$20.00} unaccounted for. The receipt shows a total withdrawal ( including fees ) of {$800.00}. The record number at the ATM is : XXXX. I was not aware that the maximum withdrawal is suggested at {$400.00} until after this transaction. I believe the additional {$20.00} may have gotten stuck inside as the door closed before I could make sure all of the cash was out.
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.

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 ) ( XXXX ) 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

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 : inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had filed a dispute on Experian for a debt that has been improperly reporting on my credit report. The account with XXXX XXXX XXXX was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a XXXX XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under XXXX XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included XXXX. My bankruptcy was discharged on XX/XX/XXXX and XXXX  was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, XXXX XXXX started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting two years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?
Product: Debt collection

If you google this particular unscrupulous business you will see the lackluster reputation, and numerous consumer lawsuits. This agency is quite aggressive in contacting me at numerous numbers, even without first sending any verification of the debt. someone with the alias of XXXX at extension XXXX calls from this business. On, XXXX/XXXX/16 at XXXX., a message was left for this person advising to stop calling and that I have a lawyer ( contact information provided ). Further, I instructed said individual that I will be filing Chapter XXXX. Even with this message, the company decided to discard my message and placed a call to me from a spoofed number on XXXX/XXXX/16 at XXXX from XXXX.
Product: Mortgage

The necessary TILA Reg. Z form H-8 Right to Rescind and H-9 Recission Refinancing w Original Creditor were not including at my closing with SWBC mortgage corporation. The mortgage was refinanced with no cash out. XXXX XXXX XXXX allegedly purchased the mortgage but can not validate the note or provide the original promissory note. XXXX XXXX have been unjustly been enriching themselves by foreclosing on my property and securtizing the note. UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX DIVISION No. XXXX and Case No. XXXX XXXX  County Justice of the Peace Precint XXXX, Place 1 Loan No. XXXX   VA File No. XXXX  Mortgage Insurance Case No. XXXX  Borrower- XXXX XXXX XXXX Lender- SWBC Mortgage, XXXX XXXX XXXX XXXX XXXX, Texas XXXX  Property Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlement Date : XX/XX/2010 My family have been thrown out of our homes at the threat of physical violence by XXXX  County Pct XXXX  with an invalid court order. The FBI were notified of this unlawful and illegal action but failed to investigate.
Product: Credit reporting or other personal consumer reports

I have disputed several accounts on my TransUnion credit report that I believe are inaccurate or not mine. Despite submitting these disputes according to the Fair Credit Reporting Act ( FCRA ) guidelines, I have not received any response from TransUnion, nor have I seen any changes or updates to my credit report. This lack of communication and failure to investigate or correct these issues is a violation of my rights under the FCRA. The continued presence of these inaccurate accounts is unjustly affecting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX  XXXX Auto Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out an FTC report on XX/XX/XXXX XXXX to Experian, XXXX, and XXXX to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, Experian and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Product: Bank account or service

I owned a checking account with Bank of America. The account carried no monthly fee due to there being a waiver on the monthly fee. I received a letter in the mail indicating that the bank will be converting my account into a different type of account which carries a $ XXXX monthly fee. However, the letter unequivocally stated that I will not be charged the fee due to there being a fee waiver on the account. A few weeks later, I discovered that the fee was charged and my account was brought into the negative. I went into a BofA branch located at XXXX XXXX XXXX. in XXXX, FL. I brought the letter with me and showed it to XXXX at the branch. XXXX studied the letter, and then nervously told me that he 's not a lawyer and could n't interpret the letter. I asked him to waive the fee, which he attempted to do but told me he could n't since the system would n't allow it. I was unhappy with this response, and told him that I would deposit cash to bring the account to a XXXX balance so that it could be closed. I did and XXXX closed the account. I chose to close the account because I did n't want to give the bank additional opportunities to harvest fees on the account. The {$25.00} fee had already been charged despite the letter indicating, clearly, that a fee " will not be charged ''. The charging of the fee was an unfair and deceptive practice, in that the fee was not reasonably avoidable, and the terms of the letter I received in the mail was misleading. I would like my {$25.00} refunded.