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

I OWED XXXX XXXX {$140.00} I PAID {$150.00} TO THEM ON XX/XX/2018 WHICH WAS THE FINAL PAYMENT. THEY CLAIM I DID NOT PAY AND WAS TO DATE OWING. I HAVE SENT PROOF OF PAYMENT 3 TIMES TO EXPERIAN AND XXXX TO THEIR TX ADDRESS. I HAVE SENT COPIES OF MY BANK STATEMENTS SHOWING PAYMENTS THEM. THEY STILL CLAIM I DID NOT PAY AND IT IS NOW 6 MONTHS LATER. I HAVE ASKED THEM WHAT THEY DID TO THE PAYMENT I SENT IN XXXX WITH NO RESPONSE FROM THEM. THEY HAVE CAUSED MY GOOD CREDIT SCORE TO FALL DRASTICALLY.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Checking or savings account

Wells Fargo noted over XXXX transactions for {$110000.00} from a company called XXXX that I told them had fraudulent and duplicate charges. XXXX XXXX refunded {$44000.00} back to me for the same fraud and Wells Fargo denied my claim and told me I needed to be smarter and check sources before engaging with a company. They also didnt listen to me, ignored what I said, deleted complaints that were logged in their system and closed then claim and will not allow me to reopen after telling me to send them complaint info in PDF form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is my inquiry ( XXXX ) times. Not Authorize.
Product: Payday loan, title loan, or personal loan

My wife and I both filed for bankruptcy in XXXX of XXXX. XX/XX/XXXX Affirm approved me for a line of credit to purchase a TV on XXXX 's website. The TV was about {$1800.00}. 12 monthly payments were paid, on time, to Affirm. Since then Affirm has closed my account. XX/XX/XXXX my wife and I applied with Affirm again. My wife got approved and I did not. Affirm says the reason for my denial is because I " have filed bankruptcy. Our decision is final ''.
Product: Vehicle loan or lease

I've had credit acceptance For the lastFew months going on a year, I'm paying a very high interest rate, That includes adults that the dealer pressured me to buy, I tried to return the vehicle they told me that they couldn't take my returnDo to me already signing the contract, I purchased the car at a dealership called XXXX XXXX XXXX XXXXXXXX And I was told that the car could be paid off in 4 yearsAnd I was told that the car could be paid off in 4 yearsBut in the agreement, There is warranty and gap insurance for 72 months which I'm supposed to only have the car for 40 months, As I'm making my payments which are XXXX a monthCredit acceptance takes more than half of my payment only putting at least a {$100.00} towards my principal balance and the rest towards interest My car no isn't going down at all and I've looked at the ad on 's end nothing is adding up to the amount that I'm supposed to pay, I really do need help with this matter because I do not understand and I was told by another person who had credit acceptance that they were going through a lawsuit for predatory credit practices, I was not aware of this knowledge at the time that the car was purchased Which the dealer did not provide any information to tell me otherwise I wouldn't Have purchased a car through them. 

The car totals up XXXX for the sticker price cash, And I was told with a {$7000.00} down paymentI could take away the car but the car 's value was priced at almost over XXXX for a XXXX  XXXX XXXX XXXX, When I searched on a XXXX XXXX XXXX the car values at almost XXXX and is overpriced, I recently purchased the car Earlier this year And I feel like I was taken advantage of by the dealership because I kept trying to return the car and reverse the deal a ship kept trying to fix the car when I told them it had transmission problems, Also the dealership had held the car Because it wasn't running And gave it back to me the week before my warranty was over. Also i do not have the full loan details just the protection plan
Product: Credit reporting or other personal consumer reports

1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/2024, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA.

The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOE/XXXX XXXX Recently Added XXXX. DP OF EDUC XXXX Recently Added XXXX. DP OF EDUC XXXX Recently Added XXXX. XXXX XXXX XXXX XXXX Recently Added XXXX. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit card or prepaid card

I recently purchased XXXX x {$100.00} XXXX gift cards, and XXXX x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's store. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to Blackhawk. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged by XXXX during Covid. I called company several times to report that the equipment was returned. I was told not to worry about it- it was an answering service not actually XXXX . The item is still being reported on my credit with no proof of the actual findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX XXXX, and TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate Addresses : 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
Product: Credit reporting

XXXX county child support opened a case against me in XX/XX/XXXX when they started taking child support out of my checks. I was then XXXX in XX/XX/XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed XX/XX/XXXX an report was added to the credit report in XX/XX/XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of XXXX XXXX XXXX. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.
Product: Credit reporting or other personal consumer reports

I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.
Product: Money transfer, virtual currency, or money service

I provided computer consulting services for six people via the Internet. I was paid for my time and expertise with XXXX. 

To confirm that the customer was authorized to use the XXXX payment method, I requested a photo of their ATM debit card. This card 's name matches the XXXX name. 
Only the legitimate owner of an account would have the ATM debit card and online XXXX access. 
There is no chance that a thief or phisher could hold both the physical card and online access. 
The only conclusion is that the customer is fraudulently filing a chargeback. 

If there is a chance of someone stealing a debit card and then getting XXXX access, that is the negligent fault of the bank and the bank should bear the cost of the fraud due to poor security. 
Please restore the funds to my Wells Fargo account : 1. XXXX XXXX = {$990.00} ( Wells Fargo Customer ) 2. XXXX XXXX = {$500.00} ( XXXX XXXX XXXX Customer ) 3. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer ) 4. XXXX XXXX = {$490.00} ( XXXX  XXXX XXXX Customer ) 5. XXXX XXXX = {$1400.00} ( XXXX XXXX XXXX Customer ) 6. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card

I have made multiple payments to my Apple Card, and they are withholding my funds. They will not release them to me although the Money has been taken from my account. They said they can not reverse the charge. I paid a bill on XXXX ( then made multiple payments as i had no available balance and was confused ) then was told that my funds will not be released to my card until XX/XX/19. I have asked to speak to management with no resolve.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the banks associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX  OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last application was sent to TransUnion on XX/XX/2020 and that was received on XX/XX/2020. This was second attempt to get unauthorized hard inquiries from my credit report. I have not received any reply for over 30 days. I have both copy of letter sent and proof of delivery through certified mail. 

I request your help in resolving this issue as there is clearly violation of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complain because there was  XXXX   XXXX  inquiries on  XXXX / XXXX / 2017  within minutes of alerts call   XXXX    only saw  XXXX  inquiry on system.   Finally Transunion remove the  XXXX  extra inquiries from  XXXX  and left the  XXXX  I could not get in the Transunion website to see my report the entire weekend of  XXXX   XXXX  and  XXXX . Message sorry for the difficulties we 're working into correcting Then call their number message wait longer because of social media due to glitches Started to get alerts about my Transunion score changing and changes to my report Able to login and check on  XXXX    XXXX ,2017  And see a   XXXX   hard inquiry reinserted on my file Call  XXXX  because I had not apply to any new products they could not find an new application under my name or socialsecurity.   Call Transunion say their system is down  Went  to Transunion   XXXX   and BBB people complaining about Transunion reinserting inquiries Please remove the re inserted inquiry on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Equifax and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was Equifax, XXXX or XXXX job to see the red flags. I have 40 inquires with Equifax and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX