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

The consumer attempted to extend themselves credit through XXXX XXXX XXXX. On XX/XX/2021 the consumer was denied because of color violating 15 usc 1691. XXXX XXXX XXXX admitted that Equifax Information Services helped them come to that decision. I have never consented to Equifax Information Services sharing my information pursuant 15 usc 1681b ( a ) ( 2 ). This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, and whoever else it may concern including Equifax Information Services to cease and desist. If there is a inquiry or adverse action on the consumer report, block and delete it now or a criminal complaint will be filed.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and fraudulent information reported by XXXX XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ). This information, concerning alleged late payments or account activity associated with XXXX XXXX and XXXX XXXX, is incorrect and has been placed on my credit report without my consent.
Product: Checking or savings account

Since my Account was close I been waiting for they send me my money back, My Account was on XX/XX/2023, and still not receive my funds, i been calling the last they say was in XX/XX/XXXX that my final check was sent the day, and now is XX/XX/XXXX i contact them again and they say still have to investigate and no body can tell me nothing where is my money
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX 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

I have contacted Experian on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S. Code 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681 section 604 A section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Checking or savings account

Subject : Formal Complaint Regarding Unauthorized ACH Transfer of VA XXXX XXXX Benefits To Whom It May Concern at Global USA Credit Union, I am writing to formally lodge a complaint against Global USA Credit Union regarding the unauthorized redirection of my VA XXXX XXXX benefit payment to an account associated with known fraudulent activity. This incident has caused me significant concern and financial distress, especially as it pertains to funds allocated for veterans benefits. 

On XX/XX/year> my VA XXXX XXXX benefit payment for {$1400.00} was transferred to an account under the name XXXX XXXX, who has a known history of overdraft issues and other questionable activities that Global USA Credit Union is already aware of. This redirection of funds was conducted without my authorization and seemingly to recoup overdrawn funds from this individual, despite my repeated requests to be removed from any association with this account. 

Furthermore, prior to this incident, I had communicated multiple times with your representatives regarding the issues involving this account and my explicit request to be removed from any connection to it. Despite my efforts, it appears that Global USA Credit Union chose to alter the destination of my ACH payment from the U.S. Department of Veterans Affairs ( VA ) without my permission or proper cause. 

It is important to note that the VA confirmed, following their own investigation, that they have only one valid account on file for my VA XXXX XXXX payments, which matches the account into which my previous two payments were successfully deposited. The VA representative spoke directly with a member of your team to verify this fact, and they, too, were assured that no changes had been authorized by VA. 

I demand an immediate investigation into this matter, along with a reversal of the redirected funds to the correct account. Additionally, I request that my account information and VA benefits be safeguarded against any unauthorized or unwarranted actions in the future. 

Please provide a response within [ a reasonable timeframe, e.g., 10 business days ] outlining the steps that will be taken to address this issue and to prevent similar occurrences in the future. Failure to resolve this matter satisfactorily will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Reserve, and other relevant regulatory bodies to ensure that Global USA Credit Union upholds its duty of care towards its members. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I dont have any knowledge of whom these companies are there wasnt any form of communication these companies are
Product: Debt collection

I had to go to the hospital and CMRE ended up slapping with a debt I do not owe and my MEDICAL INSURANCE already paid.
Product: Credit reporting or other personal consumer reports

Experian failed to verify accuracy and violated my rights and continue to do so by falsely stating they verified with proof requested. Moreover, Collection agency is not licensed in WA state.

15 USC 1692g - Failure to provide debt validation. 15 USC 1692c, 15 USC 1692e, 15 USC 1692g : False statement and representation. Failure to verify assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations. 

XXXX XXXX XXXX not licensed in WA state and therefore is illegal!
Product: Credit reporting or other personal consumer reports

My information was leaked in Data breach, & identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from the XXXX, Experian and XXXX. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.
Product: Credit reporting or other personal consumer reports

The FCRA section 605B states that it is illegal to report information on my credit report without my permission. I did not give this company permission. Please remove these accounts below. Thank you XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX
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. 
XXXX  account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  account number 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 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

Equifax is in violation of 15 usc 1644 and 15 usc 1643 for unauthorized use of my social security card which is also my credit card by legal definition. Congress states violators of these codes shall be fined not more than {$10000.00} or imprisoned not more than ten years, or both. I have attached a copy of my correspondence to EQUIFAX to rectify the damages caused to me as well as screen shots of the proof of the unauthorized use of my credit card with the fraudulent inquiries. Congress also states that I should be compensate {$1000.00} per unauthorized use prior to this case going to court.
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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 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: Mortgage

MY NAME IS XXXX XXXX I WAS DISCHARGED FROM CHAPTER XXXX BK OVER 2 YEARS AGO. SINCE THAT TIME XXXX XXXX IE PHH MORTGAGE NEVER UPDATED MY MTG PAYMENT HISTORY. 
I AM TRYING TO REFINANCE MY LOAN HOWEVER FOR OVER XXXX WKS SENDING FAXES AND PHONE CALLS VIA XXXX XXXX PHH XXXX  XXXX HAS NOT RESPONDED TO MY REQUEST. I AM AT THE END OF REFI PROCESS BUT CAN NOT COMPLETE UNTIL PHH UPDATES MY PAYMENTS. THEREFORE, WE ARE REQUESTING YOUR HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I contained  XXXX , specifically  XXXX   XXXX ,  XXXX  XXXX  XXXX ,  XXXX . I reported a discrepancy on my credit report. Not only did they NOT respond in  thirty ( 30 ) da ys, they have refused to delete the item even though   XXXX   and  XXXX   XXXX  BOTH deleted the item ... a bankruptcy.     They are to delete the item immediately or I will sue them. THEY HAD  THIRTY  DAYS AND DID NOT RESPOND. EVERYTHING WAS SENT CERTIFIED AND I HAVE COPIES OF ALL INCLUDING BUT NOT LIMITED TO THE CONFIRMATION THEY RECEIVED THE DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of XXXX I opened a secured charge card account with Capital One. I deposited {$500.00} and was given a {$500.00} limit. I made several payments for 6 months. From the best of my recollection, I did not receive statements several months. I paid using a phone call in and gave check number. Sometime in XXXX of XXXX I realized that late payments hit my credit report. I called Capital One sometime in XXXX to cancel my account and use the money on deposit and close the account. 

Capital One never sent me back the deposit, which was fine as I figured they used it to pay the card off even though I don't think I charged {$500.00} I never thought about it. I have credit and pay most everything with check or debit cards anyway. Several months ago I was offered several credit cards and accepted them. That prompted me to check my XXXX XXXX which was at XXXX. However, I noticed I had XXXX closed accounts, XXXX car payment with 100 % payments on time and this Capital One. 

The car payment account was fine with 100 % of payments on time. But when I looked at the Capital One account it had a string of late payments and closure of the account by the lending company. 

According to Capital One 's reporting I paid XXXX and XXXX of XXXX on time, but was 30 days late in XXXX and XXXX, and on time XXXX and XXXX. in XXXX they marked XXXX late payments. But I asked them to close the account in XXXX with the funds I deposited. 

I tried calling Capital One to get this resolved and see what happened to security deposit and they said they had no record. Perhaps the people that take calls are not allowed that access. 

Anyway, while this is only a {$500.00} item and will come off next year anyway I would like my record to accurately reflect what happened. While I can not remember the details to dispute the XXXX red marks in XXXX I absolutely recall telling them to close the account. I also sent a letter based on what I was told at the time. 

Thanks, and any help would be appreciated.
Product: Prepaid card

I have a pre-paid ( Debit ) checking account with American Express, they refuse to make my funds available for my uses, from a merchant. The merchant issue a refund from a cancelation into my American Express account. the bank tried to make me believe the merchant had or have a hold on the funds after returning the funds back to my card So American Express Bank refused to make my funds available for my used. I contacted the merchant they said that was very unusual, but the sent me a statement stating that fact. I would like my funds made available for my use, instead of the band collection interest on my money.
Product: Credit card or prepaid card

I call vanella gift card dispute number I send a form is been 6 months and they haven't solve the issue, keep telling to fill out the form and call back with a week vanilla gift cards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I placed XXXX small orders on XXXX months ago and they did not clear my bank instead of reaching out to me they sent them directly to TRS to try to gouge me for even more money!!!!! I found this out because TRS started harassing me!!! I am a twice widowed mother and XXXX worker but off on unpaid XXXX due to serve health issues and have not been paid in XXXX months, XXXX!!! I have gone through all of my savings to pay my bills, have no credit cards, and can not get a loan because my XXXX XXXX is too low. Then XXXX XXXX who I have purchased from at XXXX for years starts using these crooks to gouge people who are already suffering for triple the original amount they could not pay!!!!! So, I emailed him at his email address XXXX and told him what I thought about all, and he replied stating he would contact TRS Recovery Services to stop contacting me!!!! I thought all was taken care of, this was over months ago, then today I received these notices from TRS Recovery Services harassing me once again with their exorbitant usuary fees!! I am NOT paying them EVER and have already told them to CEASE and DESIST, yet they continue to contact and harass me, they are breaking the FDCPA laws!!!!! Make them STOP and enforce the law and fines on them!!!! I am also going to file a complaint with the IL Attorney General against them too!!!!
Product: Credit reporting or other personal consumer reports

USAA reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.
Product: Credit reporting

There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XX/XX/XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Equifax ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Product: Vehicle loan or lease

XXXX XXXX is reporting on credit twice and it needs to be permanently deleted from all 3 credit bureaus immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 disputes to XXXX  and Experian for reporting inaccurate information my credit report. However, XXXX XXXX is a third party company who sent me a bill stating I owe XXXX XXXX   XXXX  for {$300.00} ; but XXXX  and Experian is reporting I owe {$300.00}. I have sent dispute letters to both credit bureaus to update or remove the inaccurate accounts in XXXX, XXXX, XXXX, and XXXX ; but both have failed to investigate this matter. This has caused my credit score to decrease tremendously and have caused me to be denied credit from other creditors. I have also reached out to XXXX XXXX to validate this debt but they only keep sending me a copy of the bill. I do not recall having this matter or visiting that office.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud and sending settlements letters to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be " INACCURATE ''. 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 By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX