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

Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

My wife and I moved out of the XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) at lease termination date of XX/XX/year>. We provided a forwarding address and expected our security deposit monies to be sent within 30 days. After 30 days, we began requesting the security deposit monies returned and those requests went unanswered. After these same 30 days, no notice or communication was provided to indicate that we had any past due charges owed, and still no security deposit monies returned. Then on XX/XX/year>, the XXXX XXXX XXXX ( Parent company : XXXX XXXX XXXX XXXX XXXX XXXX ) sent our names to a debt collector ( I.Q. Data InternationalXXXXXXXX XXXX ) without ever communicating to us ( email or mail ) that any past due charges ever existed. In fact, no past due charges existed. 
We immediately appealed the total amount due ( {$270.00} ) with the debt collector. Within weeks after receiving our appeal, my wife 's name was sent to collections and now appears on all 3 credit bureaus and has lowered her credit score. In XXXX, a landlord has 30 days to either : refund any security deposits owed to a tenant, or, to provide that tenant a notice of any charges alleged to be owed. XXXX XXXX XXXX did not do either of these. In addition, without merit, and having just received our appeal, I.Q. Data Internation still sent my wife 's name to collections.
Product: Credit reporting

I have tried numerous times to get my free credit reports from annualcreditreport.com. I have also tried setting up a Social Security Account Online. Every time Equifax tries to verify my information it fails, yet the other XXXX agencies say it is right. 
I 've called Equifax numerous times ( Maybe XXXX ) and spoken with them over the past two years trying to fix the problem or get an answer. They say they information I am entering is correct yet every time I try to get an online report the other XXXX credit bureaus give it to me no problem. Equifax NEVER! 
Furthermore Social Security uses Equifax to verify their system to create online accounts. I had to go into the office and have them override the Equifax failed authorization. 
Equifax checked my report reset everything I can login but yet every time I try to get any type of verification through Equifax it fails. They said all my information is correct and no holds are on the report of any kind? 
I am so sick of this problem. I have been trying to fix it for two years. I even have an agency helping my repair my credit and they have no idea what is going on neither does Equifax but it needs to be fixed ASAP. Places ca n't see the equifax report because the authorizations fails. I need this fixed as I am applying for a mortgage. 
XXXX XXXX XXXX XXXX - XXXXXXXXXXXX or XXXX
Product: Payday loan, title loan, or personal loan

I secured a line of credit with the lending club in the amount of {$11000.00} in XXXX of XXXX. I begin having problems in XXXX of XXXX. The Lending Club did not send me statements in XXXX, XXXX or XXXX. I sent my payments those months but was not able to see how my payments were being applied or if they were being applied on time. In XXXX, I sent a money order in the amount of {$510.00} and called on XXXX XXXX to ensure my payment was applied. As of XXXX XXXX the money order was not applied so I called the issuer of the money order and learned the money order was cashed. I sent another payment to the XXXX XXXX to avoid being late and have opened a claim to find out who cashed my money order. I have had nothing but problems and as a senior citizen I feel I am being taking advantage of.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

Equifax : 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 XXXXXX/XX/XXXX
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple fraudulent accounts that appear to have been added without my consent.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/2024, I fully reviewed all consumer reports in XXXX, Experian, and XXXX. On this date, there were considerable inaccuracies with the following .... 

Name Addresses payment history inaccuracies Balance reporting on credit cards inaccuracies Misreporting on inquiries Sent out a dispute letters to all consumer reporting agencies on XX/XX/2024 via USPS. On XX/XX/2024, I received electronic communication from Experian stating they have received my dispute but taking precautionary steps so they declined to investigate my claims. I understand there is the ability to dispute online or call in, however, this does not provide the information from the other consumer reporting agencies where their discrepancies lie. Truly need assistance with ensuring my information remains 100 % accurate at all times and expect the consumer reporting agencies follow through on providing proper and thorough investigation to consumer claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a insanely incompetent company and should not be trusted with consumers personal information, not to mention data that so dramatically affects peoples lives. How many data breaches have they had? 
Aside from having inaccurate information on my credit file, I have been unable to access my account on my equifax.com for over 3-weeks. I have called multiple times and spend countless hours on hold and speaking with equifax representatives. I have a paid equifax credit monitoring account that has been locked and no one can tell me why. All the information I receive from equifax representatives turns out to be false. In addition equifax clerkly outsources there call center to another country, so a non-US citizen has access to my personal credit data. There business operations are unacceptable and they need to be stopped.
Product: Credit card

Company called me after getting my timeshare claiming to work for XXXX to rent out time shares. After filling out a docusign and getting some info they then ran my credit card for a XXXX hold they claimed was just pending for XXXX  days and then Id start getting paid monthly for my rentals. After XXXX  days of not being paid I began to email and call and ask why all their emails led to dead ends and full reservation for the timeshare getaways. After another XXXX days of them giving me run around answer like we will pay you shortly and you mustve not got our last email I then began to google the company. It was discovered recently it was a fraudulent scam company. I got a number from my local XXXX  capital one branch in Texas to call. From there I had to sit on the phone XXXX different times to get a response of easy case you will get credited money today and then a letter stating how the investigation went. Then after that they re credited my account the money out and claimed they couldnt verify my findings. After screenshot of XXXX. Random websites, and the XXXX  showing they are a fraud. They still refused to refund my money and told me they couldnt verify it as fraudulent. Then when I asked them to re open the case they have refuse. I now have tried appeal with no success. Writing a letter of appeal to send in and currently writing complaints with the FTC against the company as a fraud. And now trying to file this to encourage the bank to do their job and treat their customers fairly even if Im considered poor to them
Product: Debt collection

This company which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$1300.00} with XXXX  XXXX  & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. I am not obligated to pay for the alleged debt.
Product: Checking or savings account

I was XXXX shopping looking for some shoes for my friend and it wouldnt allow me it soon said my account was restricted i tried emailing them multiple times they have not responded or anything this is my savings account and XXXX is around the corner how am i supposed to buy gifts when its locked.
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 XXXX XXXX XXXX. 
XXXX  XXXX XXXX Account # XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2020 I made a XXXX transaction for an online purchase for XXXX I immediately tried to reverse the charge because I learned the seller was known for scams. I called Wells Fargo about 20 minutes after I made the transfer and the person from the bank said all he can do is put a fraud claim in, and they would get back to me. Nobody ever did. 
I called Wells Fargo on XX/XX/2020, and spoke with someone, and he told me the case was closed. He continues to explain that they have nothing to do with XXXX so Im basically out of the money. He continued to tell me I shouldnt use XXXX unless its family or friends, but I trusted it because its front and center on their web app.. and I had no idea there was no protection for anyone who uses their service. Highly disappointed with Wells Fargo being Ive been a customer for 25 years and use a service that they promote and they do nothing but say sorry. It was XXXX dollars that I lost and the bank will Do nothing to help Me
Product: Money transfer, virtual currency, or money service

my cashapp was hacked and i never gotten any information saying someone logged into my cashapp but i seen transfers of XXXX and XXXX leave my bank account and fall into my cashapp where the scammer sent himself the money this happened around XX/XX/XXXX and XXXX. all cashapp has done was report the scam i never had any transactions with the account and its not possible i could have made it because that account was made in XXXX  and ive just turned XXXX on the XXXX of XXXX so i was XXXX around XXXX at the time so i couldnt have ever made such a cashapp i never made such a large transfer on cashapp before and only send money to people i know and i never disputed a transaction where i sent cash so this isnt something i do regular do cashapp never told me that they cant help saying that i made the transaction im saying the scammer has my pin and info because he was able to pay himself unless the cashapp also didnt give him a code to be able to send away the money cashapp customer service wouldnt help me and kept directing me else where and when i called the did the same thing by not helping me at all i tried various ways to get a dispute for fraud and they never helped this also made my bofa account close and go into the negative my account with cashapp has been opened for a while with my XXXX  XXXX  being my sponsor
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Regarding Experian Public Record on my Credit Report, I filed a chapter XXXX bankruptcy XX/XX/XXXX ( more than 10 years ago ) I filed a chapter XXXX bankruptcy, dismissed in XX/XX/XXXX ( more than 8 years ago ) **They are both still on my Experian 's credit reports. 
See documents attached below. Thanks much : )
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert a late payment was reported on an account when I checked my credit report I saw an account I did not recognize.. I XXXX  the company.. called them and they said my address was not the one on file.. I explained I never applied for nor had a card with them..they sent me to the fraud dept. I explained to the fraud rep the situation and he was very rude I asked what I needed to do and could I have the account number and the address to put in the police report he stated no.. that is private info and hung up. I reported the fraud to XXXX and disputed the info... I received notice that they verified the account and it is accurate.. It is NOT accurate, it is not mine ..this is fraud/ My credit monitoring does not show any credit card approved for this lender.. no inquiry nothing until the late payment was reported. I check they date it says the card was opened which would show on my credit monitoring. I had my credit file locked at the time this shows it was opened so no credit cards should be able to be issued if my credit file is locked. I can prove this with my XXXX  account. I need help to have this resolved and taken off my report. Also, the company that issued it is still showing the account active and open despite 3 calls informing them it was stolen identity and fraudulent.
Product: Money transfer, virtual currency, or money service

My venmo account was suddenly permanently closed and I was given no reason or recourse. 

A few problems with their resolution process : ( 1 ) They tell me that I violated something in their User Agreement, but won't tell me what it was. 
( 2 ) They did not warn me, or temporarily suspend me ; they immediately banned me permanently. 
( 3 ) Their phone support says they don't know the reasoning, and that I must deal with their email support. 
( 4 ) Their email support stops responding or willing to engage with me. 

This feels to me like some automated flag in their system that incorrectly flagged me, but they don't have the proper processes to get a human to reverse the decision. 

Using venmo was an important part of my personal financial operations ( splitting transactions w/ roommates, etc ), and it suddenly was removed with no rhyme or reason. Given that many peers use their Venmo the same as me, it's insane that they can close accounts with zero accountability or explanation. I go farmer 's markets where the only way to purchase items is via Venmo, and I can't transact because of arbitrary decisions a private company made in secrecy. 

Timeline : - XX/XX/XXXX : I receive an email saying I've been deactivated on Venmo. We go back and forth, see the attached photos that showcase their unwillingness to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of Equifax 's unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by XXXX in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge about them, and the company made them without my permission.
Product: Vehicle loan or lease

Dear  Sir/Madam : On   XXXX   XXXX   2017, m y car was involved in an accident and declared a total loss. I was fully insured plus had GAP to cover any difference.  <P/> At the time the car was declared a total loss, I was approximately 30 days late with the monthly payment.  On   XXXX   XXXX   2017, Honda Financial received {$19000.00} directly from the insurance company. Although they received this payment, they continued to consider my account late. This is a payment that I had to authorize to go directly to Honda Financial.   <P/>  On   XXXX   XXXX   2017, Honda Financial received {$6800.00} from GAP ; however, they still refuse to make my account current and on XX/XX/XXXX ass essed a {$10.00} late fee.  <P/>  Honda Financial is due one more payment from the car dealership to return the cost of the extended warranties, which I was told should be received by Honda Financial on or before   XXXX   XXXX   2017.   <P/> While I totally accept that I was approximately 30 days late when the car was declared a total loss, I am infuriated that  Honda Financial has received over {$25000.00} in payments ; yet refuse to make my account current. They expected m e to continue making monthly payments while having full knowledge that GAP and the warranty reimbursements would cover the total cost of the vehicle, minus my deductible.  <P/> Once the first payment from the insurance company was received, my account should have been made current with only the outstanding balance due.  <P/> What is even more outrageous is that the GAP and the warranties   are Honda products. Therefore, they would have had inside knowledge of the exact amounts being paid on the vehicle.
<P/>
My account is now beyond 60 days late due to this and will affect my credit.
<P/>
I want Honda Financi  al to bring my account current, plus remove the {$10.00} late pa
yment fee that was assessed on   XXXX   XXXX   2017. How can there be a late payment when over {$25000.00} was received from   XXXX   XXXX   2017 to   XXXX   XXXX   2017.    <P/> I feel like this is extortion and I would like this resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATEXXXX XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX