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

Equifax Information Services LLC sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

Equifax is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. File numbers are XXXX and XXXX. Block and delete immediately
Product: Vehicle loan or lease

I was grossly over charged for fees and undisclosed charges.
Product: Checking or savings account

I deposited a check from a customer around XX/XX/2016, the check cleared 5 days later, & then I couldn't access my account on the mobile app. I contacted Capital One 360 & they said they were closing my account since it was new due to fraudulent activity. Fast forward 1 year, the money from the cleared check is still in my account, it is not closed, it's gaining interest monthly, but I have limited access to most services on the account. So I call & speak to their fraud department supervisor who notifies me that they can't prove the check is fraudulent but they can't release the funds to me for no reason given. When I asked to speak to a manager, she said she was it & there was nothing further to speak of & then hung up on me after a brief & rude end to my inquiry. Fast forward 1 more year & I am still receiving monthly statements in the mail with interest accumulating & can not use my money from a check that they cleared.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX LENDNATION Account Number : XXXX XXXX COLLECT Account Number : 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card

XXXX. On XX/XX/year>, I hired a XXXX XXXXXXXXXXXX XXXX XXXX company XXXX XXXX  XXXX to do work on my house in XXXX, NJ ; XXXX. I had planned to pay the contractor upon completion of the work with a Wells Fargo ( " WF '' ) credit card, and I allowed the salesman to write the cc number on the contract ; XXXX. On or about XX/XX/year>, I notified Wells Fargo that the home improvement company I hired did not complete a major portion of the work, and XXXX, XXXX that the credit card charge that I promised to pay with the NJ contractor upon completion should not be processed and paid because the work was not completed. 
XXXX. New Jersey laws very strongly regulate home improvement contractors and their activities in NJ, but XXXX, XXXX. Wells Fargo did and continues to encourage violations of such NJ laws, in effect becoming an accomplice, a co-conspirator and an accessory to law violators in NJ. 
XXXX. My home improvement agreement was made with a XXXX XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '', of XXXX XXXX and XXXX, XXXX that was the entity that I told WF that did not complete a major portion of the work. 
XXXX. WF was instead contacted by another, foreign, out-of-state, entity that apparently did the bookkeeping for my contractor, and was told fantastical stories that it believed without any shreds of evidence or proof, perhaps because that entity also has XXXX in its name but is from XXXX, Ohio, and is not registered to do any work in NJ ; to wit : XXXX. WF writes that We ( they as in Wells Fargo ) have confirmed that the merchant is willing to and able to provide services, but the confirmation is not provided or explained ; and XXXX, XXXX. WF also writes that We ( they-Wells Fargo ) also have record that you ( as in I ) accepted an alternative resolution from the merchant that they will provide the services to you, but the record in whatever form that is, is not provided or even described. 
XXXX. WF concludes that we do not have dispute rights when a customer has accepted a direct resolution from the merchant, apparently according to XXXX of Ohio. 
XXXX. Therefore, WF credits statements of out-of-state non registered entities that could not even drive a nail in New Jersey, to decide when dispute rights have vanished in a dispute with a XXXX XXXX contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid  XXXX   (   XXXX   XXXX   XXXX   XXXX   ) a sum of   money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One month later I received a letter from a second company which claimed th at  XXXX  's (   XXXX   ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.
Product: Debt collection

Well, this have been an issue for years XX/XX/XXXX. I was sent an Threatened email saying there is an lawsuit case # XXXX. Total amount owed is : {$860.00} and the settlement amount is : {$290.00} that was filed against me by Ace Cash XXXX /XXXX  XXXX XXXX XXXX XXXX . This debt was originally a debt due to ID Theft because they had another name attached to this loan even though some of my personal info included SSN was included ; yet since then, I did file for Ch XXXX bankruptcy on XXXX of XXXX and it was charged XX/XX/XXXX. Which I do have a copyof the Ch XXXX Bankruptcy being discharged from a Federal Bankruptcy court in XXXX, Texas by U.S. Federal BankruptcyJudge, Judge XXXX XXXX XXXX. Bankruptcy case # XXXX. Wo this loan debt is no longer owed and I have repeatedly contacted XXXX XXXX and XXXX XXXX and it is also to resolved this issue and I have even put in a previous Financial Consumer protection complaint against this same company. I do not have the reference number yet it should be on record and thus is my third complaint against this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my computer prompted me to change my password, once I attempted, I received a loud blinking message that my computer was hacked and gave me XXXX number for XXXX. I dialed the number and a " technical support representative '' told me showed me on my screen that an international XXXX crime organization hacked into my computer and phone, and that I was in a grave danger and can't use my phone. He said he would contacted me with on his secure XXXX number XXXX XXXX. He contacted me with XXXX " XXXX representative '' XXXX XXXX, who gave me his XXXX ID # and personnel WF phone number. XXXX told me that the crime organization electronically transferred {$40.00} XXXX dollars out of my account. He told me that the transaction already went through, but if we put a duplicate transaction by XXXX, the bank would see there is fraud activity and stop the funds going through. He told me not to talk to anybody, since it might be an inside job, go to the bank and pull XXXX had to go to 3 separate banks to pull out XXXX in cash. Then he told me that the new most secure deposit procedure with banks is through XXXX ATM machine. I deposited {$39000.00} because XXXX machine for some reason wouldn't take {$450.00}. At that point I realize this was a fraud, but the line was disconnected.
Product: Credit card

I was travelling to XXXX XXXX from XXXX back on XXXXXXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. During my travel, I stopped in XXXX ( did not even stay there- transit ) and my US BANK Card/ Copy of my passport ( photocopy ) another credit card XXXXXXXX XXXX and XXXX Thai bhath and XXXX $ in that wallet was stolen or lost. I said stolen as someone used the card without my authorization. As soon as I found out during my travel that card is lost - I informed US BANK. The person who took the call did not put in her notes that PHOTOCOPY f my passport was also lost ( not my passport just the copy ). They did an investigation and said I received service for that purchase and they wont provide travel fraud protection. 
Since then I call them regularly to reopen the case- send me either a XXXX XXXX report from merchant or something which will prove I authorized the purchase. I provided all info to them- something is broken in their customer service or card lost fraud dispute service. I did not use my card at all during the travel. They asked me if I have lost card how did I pay for other service- I mentioned my wife/parents were there who had their cash and helped me- also I had my other XXXX card which was in my wallet which was not lost. The USBANK card/Foreign currency and other card was in a XXXX and XXXX was lost. 
Very frustrating as they are trying to force me to pay a fraudulent amount of {$2900.00} without any proof from their end. 
My request to CFPB is to step in and help me to get the issue resolved. This is a business credit card of mine- It will be big financial loss for me if I have to pay for something I did not use- even better was not even in XXXX where XXXX was used. Initially they gave me a credit and due to their mistake of their staff not getting all information noted ( that my passport photocopy was lost too ) they are now charging me. I challenged the to get copy of my passport details as I am ready to send copy of my passport- the photocopy of my passport I had- I always MASK the passport number for things like this during travel- so THERE IS NO WAY A PROPER PASSPORT or ID was used with the merchant. 
Thank you and regards USBANK Business leverage VISA XXXX XXXX XXXX XXXX Confirmation Number XXXX US Bank fraud prevention Phone number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Student loan

This formal complaint is in regards to the misconduct of the private student loan company Sallie Mae 's misreporting of the amount I was entitled to for the student loan interest deduction on my 1098-E tax document. According to Sallie Mae, in the attached document that I received from Sallie Mae in the mail via USPS with my corrected 1098-E form, it was through a system error that caused a misreporting of the amount on my 1098-E tax form. On XX/XX/XXXX, I spoke with a Sallie Mae representative named XXXX, for which I asked him if this misreporting of the data was reported to the Internal Revenue Service ( IRS ) so that they're aware of the system error? XXXX said that Sallie Mae had reported this misreporting to the IRS and that they're aware of the situation regarding Sallie Mae 1098-E forms. XXXX told me that I should seek council from a tax professional about the path going forward towards making corrections to both my IRS & State 1040 tax forms for tax year XXXX. Myself, as well as millions of other affected Sallie Mae customers should not have to spend their precious time and hard-earned money to correct an egregious act of criminal negligence committed by Sallie Mae. Additionally, the timing for which Sallie Mae committed this civil wrong during the worst global pandemic in 100 years and the social and economic strain that Sallie Mae customers are already facing before this act of negligence took place makes it even more egregious in nature. From what XXXX said, it seems to me that just because Sallie Mae reported this misrepresentation of data to the IRS that they are all of a sudden all moral and free and clear from any civil wrongdoing. Although according to XXXX 's testimony, the IRS was notified about this misreporting, it is still an egregious act of criminal negligence on the part of Sallie Mae for this misreporting of data. It is not right that I as a U.S. taxpayer must do my due diligence in making sure that my tax forms are 100 % accurate before submitting them in order to prevent being subjected to civil penalties and fines ; but a big company like Sallie Mae can misreport the tax data on millions of student borrowers, causing them through no fault of their own to misreport their student loan interest deduction totals without facing any penalties like myself as a taxpayer would face if I misreported on my tax documents is simply wrong in its entirety. It seems to me that in this particular situation, the big corporation Sallie Mae 's priorities are more important than the priorities of the little student borrower/taxpayer who's just trying to payback his student loans, while legally being able to deduct on his tax forms the maximum amount of student loan interest he can to reduce his overall tax liability. I am looking forward to working hand-in-hand with the Consumer Financial Protection Bureau ( CFPB ) to seek legal remedies for the civil wrongs committed against me and millions of other Sallie Mae customers who's 1098-E tax form data was misreported by Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, Equifax falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, Equifax claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.
Product: Debt collection

Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called portfolio recovery and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXXto prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.
Product: Credit reporting or other personal consumer reports

This company in question has consistently failed to adhere to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regulations. They did not make any effort to contact me, the consumer, regarding the alleged debt. Instead of notifying me and providing an opportunity to dispute or verify the debt, they directly reported it to the credit bureaus without my consent. This action constitutes a clear violation of my rights under both the FCRA and the FDCPA, which mandate that consumers be informed and given a chance to respond before such information is added to their credit report.The company in question has failed to report the full account numbers for the alleged debt, leading to discrepancies across different credit reporting agencie
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$2800.00} on the XXXX partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) I purchased this equipment up front so my contract with XXXX   should be on a month-to-month basis. I was transferred with my job and moved to a new location and I cancelled my account. XXXX has now sent me to collections for an amount that is totally unsubstantiated. I have contacted XXXX to obtain an itemization of expenses they allege I owe, but I have never gotten any response. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to hard inquiries that I didn't do appear on my credit report. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased my vehicle on XX/XX/year> and the very next day I called and stated that Ive never received the paperwork in regards to the purchase and they stated that they would email it over to me. They never did. I called again and never received the information. I also text the sales rep in regards to it again never received it. I received another email stating that my payment have changed and I look to see that it is well over {$4000.00} more than what I initially signed for. I have emailed again as as of today, XX/XX/year> and received another email stating that someone would be sending it to me. I still have yet to receive it. The fact that the initial loan that I signed for was for {$13000.00} and now showing a purchase price of XXXX almost {$19000.00} is absolutely insane. With no paperwork to show for.
Product: Credit reporting or other personal consumer reports

This complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the XXXX increase XXXX  and XXXX only removed four to five of the inquiries.
Product: Money transfer, virtual currency, or money service

On Thursday night XX/XX/XXXX, we received a text message stating that someone had tried to use our checking account for over XXXX dollars and to call a number so that we could make sure we were not being scammed and keep our account safe. We called the number, which happens to be a Chime number ( who we bank with ) and were prompted through several steps on my account by the gentleman on the other end. The gentleman told us that XXXX charges had tried to come out of our account but there was not money in the account yet so they were not able to take the money. My paycheck hit the account around XXXX. He then had us walk through freezing my debit and credit card and moving all of my money into my checking account. He then told us we needed to go to the pay portal and that he would send us a text message with a link and a name, to which he claimed was the dispute supervisor, and to click on the name and process the transaction and when that was done, we would still see the money and this would help us remain safe from scams. In doing this, the payment processed, and drained us of the XXXX $ in the account at which point the gentleman on the other end hung up the phone. He had also given us a fake phone number, at which time we did not realize was real. This is when we realized we had just had all of our money taken. We immediately called Chime to let them know what had happened, and filed a dispute. Within XXXX hours Chime denied the dispute and told us we would not receive our money back but did not and has not given us a reason why.