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

The Credit Reporting Bureaus, XXXX, Equifax and XXXX  are ignoring my request to investigate accounts on my credit report, I have disputed these accounts and they need to be immediately removed. I am asking for, The Consumer Financial Protection Bureau help with this information being reported as a violation of my privacy.
Product: Money transfer, virtual currency, or money service

This is a work from home scam. First, I received a text message on XX/XX/XXXX regarding a job opportunity as a XXXX and XXXX  XXXX. After chats through XXXX, a messenger app, for some questions, they sent an email with a job contract which I signed back. On XX/XX/XXXX, they sent a check attached on email and asked me to print it out and deposit to my bank account ( XXXX. ) That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After the check was deposited, on XX/XX/XXXX, they instructed to send 2 payments, {$900.00} each to XXXX using Zelle. After I made the transactions on the same day, I accepted XXXX to process the transactions. Immediately after ( within 5 minutes ) I realized that is a scam, I called XXXX right away but it was too late and the payments have gone through. XXXX said they can't recover my money sent via Zelle because I have accepted these transactions and nothing can do for the check either. A week later, the check was bounced and turned to be a fake. I also contacted Zelle right away through the Report a Scam page ( they don't provide a customer service phone number ) but they have never responded back to me as of XX/XX/XXXX. A complaint has been filed to CFPB against XXXX bank, complain ID XXXX, and a police report has been filed as well. I contacted Zelle again about the {$900.00} x 2 transactions on XX/XX/XXXX and am waiting for their response. The scam company contacted me first on text messaging and asked me to install XXXX - private messenger app and contacted with rest of the conversation through it. Not single phone conversation was made. There are three people I contacted with : XXXX XXXX XXXX Website : XXXX XXXX  XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The money I sent through Zelle to : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 XXXX XXXX XXXX  -- {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$8300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$22000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$17000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Once again this is not my account the address doesnt belong to me I have no knowledge of this account
Product: Checking or savings account

Your response is XXXX XXXX yall closed my account like XXXX ELECTED nothing irregular or fraudulent has ever happened in my account as far as any deposit or ANYTHING if XXXX referring to all my dispute if i feel its a problem im gone dispute it BY LAW YALL CAN NOT HOLD MY MONEY IN NOW XXXX MESSING WITH ME AND MY CHILDREN WAY OF LIVING I WILL OBTAIN A LAWYER FOR THE DISTRESS TALL HAVE CAUSED ME AND MY CHILDREN.
Product: Credit reporting or other personal consumer reports

Experian reporting inaccurate Balnace XXXXXXXX XXXX  placing recent high credit XXXXXXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. Experian did not investigate nor contact XXXXXXXX XXXX for the correct balance for XX/XX/2023. Instead untilize the XXXXXXXX XXXX resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting Experian CONTACT XXXX XXXX to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and Experian refused to contact XXXXXXXX XXXX to report accurate balance information
Product: Credit card

Once before I had called Discover to have them lower my interest rates and was told that they can lower the rate to 13 % and as a result, my account will be put in a suspension status for a year and so I took the offer. I have my account setup for automatic debit for the last few years so I have an excellent record of paying my bill on time with them. A year passed and they removed the suspension and the 19 % apr returned. I once again took advantage of this offer again last year, it will expire in about a 2 weeks so I called Discover and asked them if I can be dropped early without any penalties, because I needed to use my card to make a large purchase. I was told that it should n't be a problem and I should be able to use my card. I tried to use my card but it kept getting declined so I called Discover to find out why it was being declined and was told that it is still suspended. I was also told that it will remain suspended until it is goes for review. I thought that once the offer expired my account will return to the way it was previously. Now I was n't told about this but of course they send everything in writing. I guess I am a little upset that these credit card companies have so much power and control to withhold credit just because I tried to get them to lower the large apr on my account. Not only that, they have easy access to my credit reports which I am starting to be suspicious of now. I would like to know if that is allowed and what can I do to remove my information from Credit Reporting Agencies completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to Transunion seeking the information used to validate the following Debut reporting on credit report ( XXXX XXXX ). I received a copy of my credit report stating the investigation has concluded and that the debut is valid. Id like to remind Transunion that along with the letter I sent my XXXX which as an XXXX XXXX service member shows my entry and exits to the the UNITED STATES OF AMERICA. i only recently returned in XX/XX/XXXX. The date reported as opened is XX/XX/XXXX which is impossible as I wasn't present in the USA. Secondly, I havent received anything the validates this debut yet you are continuing to report this fraudulent account. Send billing history doesnt constitute as validating the debut. As you know with fraud the account is placed in another persons name. Where is the signed contract with XXXX XXXX, Where is the reason the amount is owed. Also, I subpoena the Tax transcripts for XXXX XXXX  the account was listed as a profit loss and there for the company was given tax deduction brakes according to the law. This debut isnt mine and doesnt belong to me I want it removed. As you are in violation of the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act and causing defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Someone at CFPB should do simple, basic research on what it takes to register for a free credit freeze at each of the three bureaus. Equifax is BY FAR the WORST. XXXX 's process is the best! Simple, easy to register for an account online and freeze or unfreeze your account. 

With Equifax, it is layer after layer of trying to sell their products, with no easy path to just register and set a freeze. Try it at both... you won't believe the difference. Seeing that they are required to provide a free freeze, they should also be required to provide an easy method of signing up for that, without all the sales pitches. 

I had lost my wallet in XXXX  ( ultimately found ) and set up a freeze with all three bureaus. I remember from then Equifax was a pain but I did get an account set up. After a recent bank hack, I tried to get back into my Equifax account and they wouldn't let me in, citing incorrect user name or password. I established this account in XX/XX/2023, saved all my credentials in a password program and changed nothing in 6 months, yet they won't let me in with out calling them ( probably to try and sell me some products! ). 

With XXXX and XXXX, I was able to login and place a freeze in under a minute. 

In my opinion, Equifax intentionally makes it difficult to deal with them in hopes of selling products. This should stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2023 at XXXX XXXX, I logged into XXXX  to receive my credit report and was informed that there is an issue that prevents me from getting my credit report.
Product: Debt collection

Dear XXXX XXXX / CCS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX tried to Garnish my accounts. Asked the Court for a request for a hearing as I was never notified of a court proceeding against me for a garnishment to occur. Court denied my request as there no accounts Found Mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding what this was about. Never received a response back from XXXX XXXX In XX/XX/XXXX pulled a Credit Report and saw that I had two public records on my Report 1. XXXX XXXX 2. XXXX XXXX Wrote a letter to XXXX XXXX XXXX inquiring on these accounts on XX/XX/XXXX Received a response back from XXXX XXXX XXXX Date Stamped XX/XX/XXXX Wrote a letter again to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding this matter in XX/XX/XXXX. No response from this Plaintiff In XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX, more like a collection letter stating they are trying to collect a debt. I contacted the number on the paper XXXX and spoke to a " Bill Collection Specialist '' and I inquired as to this debt. I was told they had not filed any suit against me but if I did not pay they would. I gave them the case number and the court and asked for proof of this debt. I also mailed a letter to the address on the letter with the same questions. Never received a response The next time I would receive a response would be from another attorney with Stenger and Stenger who states a judgment has been entered against me and I have 30 days to dispute the validity of the debt and I did so in a letter. The letter from the attorney stated that If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor. If within the thirty-day period that begins with your receipt of this letter, you send us a written dispute of all or any portion of the debt or request in writing the name and address of the original creditor, we will suspend our efforts to collect the debt until we mail the appropriate information to you. 

The only response I received from that letter was a Motion for Entry of appearance from the same attorneys. Since this was dated XX/XX/XXXX and it was not too long ago I mailed my letter of dispute I did not worry about this letter. 

Then I received a letter from the court that this attorney garnished my bank accounts. Except I do not have any money in the accounts. All the money belonged to my husband from his paychecks and they took his money. 

The final response was a letter from the court that a garnishment was sent to my bank and the bank withdrew all of the money belonging to my husband including the money he placed in the joint account to pay the bills that now the money is gone and the bills are coming through electronically. 
Still no response to my letters. NONE OF THEM
Product: Checking or savings account

I applied for and closed a HELOC with Huntington Bank. Huntington opened up a checking account with the origination of the loan. I was asked before we closed the loan " would I want proceeds of the HELOC deposited into the newly established checking account? '' I said yes, in the amount of {$200000.00}. Unfortunately the loan processor made an error and issued a cashier 's check instead of funding the account electronically. On Wednesday XX/XX/18, I deposited the cashier 's check ( drawn off of Huntington ) into my new Huntington DDA. On Thursday, I attempted a wire which was rejected because there was a stop payment on the cashier 's check. As a result the my DDA was frozen for suspicious activity and has remained frozen for a week with no end in sight. 

In addition, I was led to believe the only freeze was regarding the online account access which I had to inquire a bit more thoroughly about only to find out the account is actually frozen. 

By the Bank 's own admission of error ( documented in emails ), I am no longer able access any of the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... .equifax XXXX XXXX XXXX XXXX XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX is reporting XXXX, XXXX  is reporting XXXX, and equifax is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX,, ,this is inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have almost four years of Capital One membership, and during that time I have never missed a payment and have always paid the whole amount due. Capital One recently terminated my account without giving me any prior warning, and when they did, they reported the existing balance I had at the time to the credit bureaus. I have a credit score in the XXXX, and this caused it to plummet by about XXXX points. I called Capital One and requested that they make an update to my credit records to reflect that I currently have no debt. I explained that my unexpected decline in score may result in me losing my mortgage. They declined. I had only recently qualified for a mortgage. Section 623 of The Fair Credit Reporting Act, 15 U.S.Code 1681s2. Requires data furnishers to report accurate information and update inaccurate information if notified. It is the responsiblity of the data furnisher to update accounts after being notified of a inaccuracy and report financial information appropriately. You have been informed that the account is reporting inaccurate information and that you are breaking the law if you continue to do so. I am a litigious consumer. My ability to obtain loans, mortgages, housing opportunities, and employment offers that are firm may be affected by your reporting. If you don't change this to reflect my actual creditworthiness, i will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX  XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from Experian such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also I was hit with XXXX more hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.