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

CREDIT CORP SOLUTIONS claimed to have completed a reasonable investigation with the furnisher of information and verified the account as reporting 100 % accurate. However, this account is still inaccurate and CREDIT CORP SOLUTIONS is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Delete the account CREDIT CORP SOLUTIONS XXXXfor inaccuracy, because this account doesnt belong to me, the original creditor does not own this account, and the account was sold but still reports a balance. The account shows different creditor names. I never had an account with CREDIT CORP SOLUTIONS and you are in violation of my rights. Delete this account immediately. CREDIT CORP SOLUTIONS has violated my rights numerous times 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 states a consumer reporting agency can not furnish a account without my written consent. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
Product: Credit reporting or other personal consumer reports

Experience and XXXX used my reporting information incorrectly and said my deadline passed I called and recipient no help I dint have internet but I also did a hard copy complaint
Product: Debt collection

My father received a call from XXXX XXXX XXXX ( XXXX  ) asking to speak to me. The representative from XXXX told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!.

Anyways, I called XXXX and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, Ally and XXXX contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give XXXX or ALLY the consent to contact any lawyer at this present time. Also, you will see in the letter that XXXX insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.
Product: Debt collection

I was contacted by text by a company named " unifin '' they stated that they are a debt collector. I went to my credit report to see if this company unifin is correct and it is incorrect. On my credit report it states that this debt owed to XXXX XXXX.
Product: Debt collection

On XX/XX/2021 I checked my check stub to verify my pay for the pay period. I noticed a wage garnishment in the amount of {$320.00} from my pay. I have no idea where this is coming from. I contacted my HR department because I was told that both the creditor and my company was supposed to inform me of the garnishment. I never received a letter from either my employer or the creditor. Upon further review the outsourcing company that handles my employer 's pay attached information of the creditor. I have no knowledge of this creditor. The original creditor is not on my credit report and I have no idea what this debt is for. I believe the attorneys office of XXXX XXXX XXXX XXXX XXXX falsified documentation in order to get a judgement from the court. I have personally never lived in XXXX  XXXX, Ok and I haven't lived in the state of Oklahoma in over 4 years. Legally the law firm of XXXX XXXX XXXX XXXX had the responsibility to contact me about the attempt to collect the supposed debt. This garnishment is not legal as I was not notified of the judgment and have no knowledge of the debt.
Product: Credit card or prepaid card

Good evening. I received a pre-paid Mastercard " debit '' card as part of an agreement between XXXX XXXX and I for {$25.00}. This card has an expiration date embossed like all Mastercards. The expiration date was yesterday XX/XX/XXXX. When I call the Mastercard system I am told I have a valid balance of {$25.00} for purchases ; however, I can not spend the {$25.00} due to the expiration date. It was declined when I tried to use the card today. I contacted Mastercard on XX/XX/XXXX and spoke to two people ( one in Corporate communications ) and they stated the money no longer belongs to me. I find this distasteful at best. I have the card agreement that was attached to the card and in tiny print there is one single line about " your CITI PREPAID Card expires on the date embossed on the front of the card '' -- it 's intentionally buried in fine print. How could this be legal?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX, XXXX, NJ, XXXX. My only Phone number is ( XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never did business with them and don't know them
Product: Credit reporting

Equifax refuses to provide me with a supervisor when I as for it and instead their boiler room representatives hang up on me.
Product: Credit card or prepaid card

I talked with a supervisor of Victoria Secret commenityy bank and they assured me they were going to fix this they never did. This is back from end of XXXX it started with the XXXX that was not supposed to be charged the supervisor said she would take it off and I assumed she did on the next month they added late charges and fees they took those off and again did not remove the XXXX and they still didnt remove it I have called and written over 20 times and no one has still fixed this now it is saying I owe XXXX and I paid XXXX in XXXX and she said she will take off the XXXX and any charges as this needs to be corrected I need help card ending XXXX
Product: Debt collection

I had a complain w/ this company secure billing service the treating me that they gon na sue me and bring me to court and this person name XXXX XXXX and his tel. No XXXX he told me that i have already my name in court and they are so disrespectful and the way he talk. It 's so unprofessional and I 'm complaining this company so that they will say this kind of works to the costumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I send out a certified letter to SYNCHRONY Bank to validate the inquiry that was made to my credit report. I receive a letter from SYNCHRONY on  XXXX  stated that they was unable to provide me copy of the application based upon the paperless method used for submission but they record indicate that the inquiry was accurate. I am victim of Identify theft and someone has been use my name. I do n't know this company and do n't know what they are. and I am requested them to remove the inquire our of my credit report
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sales Consultant : XXXX XXXX XXXX XXXX XXXX So I was trying to go through a fresh start program with XXXX XXXX XXXX.. I received several phone calls and text messages stating that the program was and income based program and no credit check was involved. I was told that I had to be in XXXX by XXXX XXXX ... 

I have given this company all of my personal information. My identity is now at risk for this fraudulent advertisement. They are trying to legally steal my identifiable information. 
Someone please stop this company from stealing peoples indenture. 

They ran a hard inquiry on my credit after saying that the program was not based on credit. They came back and asked me for tags, titling and processing fees after telling me that the program was 100 % financing. 

They have wasted my money for travel to there office and my time. I asked them several times if I needed to bring any cash deposit and I was told no. 

Im a service connected XXXX and they would not give me my information back. I want this company sued and for them to release every customers information back to them.
Product: Credit reporting or other personal consumer reports

I request reinvestigation and removal of unverifiable information in accordance with FCRA for the following inaccurate accounts : XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XXXX. Despite multiple dispute submissions, the credit bureaus have failed to provide sufficient verification or remove inaccurate and unverifiable information from my report. XXXX is currently facing legal action by the CFPB for failing to comply with FCRA requirements, which further supports my claim for reinvestigation. I am requesting that the CFPB intervene to ensure compliance with federal law and the facilitate the removal of inaccurate and unverifiable data.
Product: Debt collection

it says it was open XX/XX/year> for XXXX for XXXX I disputed it about 4 times letting them know that I was not the person who had open the accounts for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false information on my credit reports. In my initial CFPB Complaint # XXXX I expressed 2 grievances ( 1 ) Experian continues to report invalid medical accounts on my reports despite collection agency 's failure to provide validation. ( 2 ) I also brought to their attention that one of the account numbers were changed without my knowledge. Ultimately, Experian is reporting two invalid accounts. Experian responded in Complaint # XXXX " Upon researching, our records indicate that 1 of the disputed items is currently not displaying on your credit report. We are in the process of contacting the data furnisher ( s ) for the remaining item ( s ) to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. '' Additionally, under Description of Non-Monetary Relief, Experian double downs on its false claim that " 1 of the disputed items does not appear in consumer 's report. '' Both invalid accounts still remain. Experian 's continuous violation of my rights as a consumer is illegal and unacceptable.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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/year>
Product: Checking or savings account

My frustrations began within the last 3 months bc 3 different debit cards w GLOBAL Credit Union/GLOBAL CU have been fraudulently compromised. 
The same fraudster continues to submit fraudulent transactions to GLOBAL CU using the XXXX XXXX XXXX. 
Only once out of the 3 events did the GLOBAL CU fraud alert systems contact me about suspicious transactions. 
I don't know how this fraudster is obtaining my debit cards numbers. 
The XXXX XXXX needs to identify this fraudster and cutoff access to the XXXX XXXX. 
GLOBAL CU remedy of just get a new card isn't resolving this problem nor delinquishing my distrust of GLOBAL CU to protect my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XX/XX/2022.
Product: Credit card or prepaid card

The claim by American Express ( cut and pasted from their site ) : Earn Membership Rewards Points 4X Membership Rewards points at restaurants worldwide 4X Membership Rewards points at US supermarkets, on up to {$25000.00} per calendar year in purchases I have had American Express cards that have charged annual fees ranging from $ XXXX/year. Being a 'reputed ' brand like American Express I have assumed that I do not have to monitor and ensure that all my rewards are being awarded to me rightfully. I recently found out by chance that a restaurant purchase had not received the 4X points. As I started to review my statement, I began to find NUMEROUS instances of this. I informed Amex about this, and over the next hour I went over every charge over the past few months and provided the agent a ) Restaurant names, 2 ) Dates and 3 ) Amounts of each of those transactions. Amex has informed me that I will be receiving the points for some of the transactions and that they are investigating the remainder of the charges that I have brought to their attention. This is a systemic problem and not one that has only occurred for the last billing cycle or two. Rather than offering a meaningful resolution to the issue. I have been informed that if I want all my rightful points, it will be my responsibility to scour the 1000 's of transactions I have made over the years, identify the charges that have not got the required rewards, make note of every one of them, and present it to Amex so they can then investigate each of the charges. Doing random audits of statements over time indicate multiple infractions.
Product: Mortgage

Payed off my loan in XX/XX/2023. 
Requested tax forms ( XXXX ) over XXXX times in XXXX, but the bank did not send it.
Product: Credit reporting or other personal consumer reports

I would like a full investigation on Experian. I have asked for documentation to support the delinquencies and late reporting on my credit report. My score has not been updated nor my credit reporting. The only way to get his resolved is to remove my false late reporting, delinquencies and account balances.
Product: Credit reporting or other personal consumer reports

This evening in response to a complaint I made with the CFPB Equifax sent me a letter saying that they can not locate a file on me and that I must send them voluminous paperwork with my social security number, utility bill, pay stub, tax return, you name it. Unfortunately for Equifax I obtained my credit report a few weeks ago from their office at XXXX XXXX in XXXX. The report gives me a credit score of XXXX, too low to rent an apartment. There are vast numbers of companies listed as having made soft inquiries and phone numbers to request that they cease and desist. Not XXXX of these numbers is a working number. And so why should we believe anything Equifax says. Their response to complaints is to bury you in platitudes and time wasting demands for more information which they already have. It is worth noting that Equifax is a corrupt company that knowingly places information it either knows is fraudulent or should know. The kinds of things that show up on their credit reports are not debts or delinquencies but disputes involving XXXX clients whom they want to keep happy. Equifax knowingly places false information on their credit reports and destroys lives. Equifax wants to keep consumers from obtaining credit because the big banks want a small credit pool. It is obvious that Equifax will never change and so a lawsuit is the only way to bring this company to justice. Equifax is also in for some bad publicity which they richly deserve. This companys hypocrisy is revolting. XXXX XXXX should be in jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a PAID membership with Experian since 2016 and, have recently been running into problems with the billing department. They have been charging 5-6-7 times in a single cycle. When I call them to confront the situation they say it's my fault but, they will refund the money. Well, it just happened again. And, I'm sick of it. This time when i called they hung up on me several times. Didn't refund all of the money they took without authorization. And, they cancelled my credit membership without my permission. They are rude, incompetent and frankly shouldn't be in business.They are STEALING my money. And, I plan to press criminal charges and file a civil lawsuit, if this is not fixed immediately. They are also failing to respond to my disputes in the time permitted by FEDERAL LAW. They are letting inaccurate information be reported to my credit. Also, a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd letter sent by certified mail to Experian, XXXX, XXXX & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XXXX XXXX the Investigation need to be done by XX/XX/XXXX. XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY EXPERIAN, XXXX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
Product: Payday loan, title loan, or personal loan

XXXX Opened a line of credit with XXXX XXXX XXXX XXXX Account. 
Card was activated at store and account opened with Routing and Bank Account Number.

Card given was previously used and connected to another persons account.

Information on card was not matching my information, dob and ssn, personal identification number.

Cashed a US treasury refund check for {$330.00} but had to open an account. 
Account was open and activated on account and card was already used and connected to another financial institution, financial name, financial resource, financial fraud, financial source including federal funding fraud and criminals. 
XXXXXXXX XXXX XXXXXXXX XXXX Routing Number XXXX Will Provide Account Number on request. 
Connected to City of XXXX California including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Identity Theft, Identity Fraud. 
Possibly another XXXX XXXX works at this bank and is using my information. 
So much stolen from me and my daughter including property, money, inheritance, intellectual property, falsifying information, XXXX XXXX etc. 

Possible connections of those doing fraud in City of XXXX, XXXX Police Department and stolen identity include XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City of XXXX Police Department XXXX FBI, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a bill for {$110.00} from XXXX XXXX XXXX dated XX/XX/XXXX saying that I had a balance that " remains unpaid for services provided on XX/XX/XXXX and that prior attempts to communicate with you have not generated a plan to resolve the past due balance '' and that the bill would be sent to collections if not paid within 30 days - however this was the first bill I had received from XXXX. I paid the bill in full on XX/XX/XXXX through my XXXX provider, but I then received a letter from Phoenix Financial Services dated XX/XX/XXXX saying that my bill was now in collections! Phoenix 's letter also said the amount I owed was {$130.00}, which was wrong. Phoenix 's letter also shows that XXXX had sent the debt to collections less than 30 days after they had mailed me their first bill, inconsistent with what they had written in their bill. 

XXXX 's bill also did not have a clear date written on the bill. I had to decipher some obscure coding at the bottom of the bill to figure out when the bill had been generated. 

I called XXXX on XX/XX/XXXX to ask what the status of my balance was, but they refused to tell me, saying I could only speak with Phoenix Financial Services because the debt had been sent to collections. I had verified with my XXXX provider that my payment to XXXX had cleared before I called XXXX, but XXXX would not tell me the status of my bill. 

I filed a dispute on Phoenix 's website on XX/XX/XXXX. I did not call Phoenix because I don't want them to have my phone number, because they have a reputation of unethical communication practices. 

I did not hear back from Phoenix after filing the complaint, so I filed another one with them on XX/XX/XXXX, the content of which I have attached to this CFPB case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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