23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax is reporting a negative account on my credit report that unequivocally does not belong to me. The XXXX XXXX  account ending in XXXX is a fraudulent account with no connection to me. I demand the immediate removal of this account and its balance, as they are the result of identity theft. I have attached the removal letter and expect prompt action, given that I have requested this removal multiple times before.
Product: Money transfer, virtual currency, or money service

I have asked the company PayPal to close my account. They want more information from me before I can close the account. They have issued me unwanted services like debit cards but I did not request them. I asked them to close my business profile account in XXXX of XXXX but they would not and then I asked them to close my entire account in XXXX of XXXX  but they would not. 
I have a XXXX balance and zero pending charges and zero open cases. I do not want them to have my banking information or credit card information but they will not remove my banking or credit card information.
Product: Credit card

I logged into the application to use my buying power, which was previously listed at {$1500.00}. However, when I logged in on XX/XX/2024, I was notified that I no longer had buying power and that they would not be providing me with buying power. Despite reaching out several times to inquire about this issue, I have received a blanket response stating that they do not provide details about their credit decisions.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and have a FTC Affidavit that I submitted to Experian but they have refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. The following accounts are fraudulent : XXXX XXXX  ; XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX wrote by Fax : The settlement on your home equity line of credit is complete. 

What this means to you We will no ionger seek payments on this account. Your home equity line of credit was charged off on XX/XX/XXXX. 

Weve closed the account and will notifythe credit burcaus tho-account has been settled for less than the full balance. 

There may be tax consequences as a result of the settlement. 

All three agencies show a charge off date in XX/XX/XXXX not on XXXX
Product: Credit reporting or other personal consumer reports

FRCA Section 605B - It is illegal to report information on my credit report without my permission.Please remove these items from my credit report. 

XXXX XXXX XX/XX/year> Accounts- XXXX XXXX XXXX The accounts stated above were added into an consolidation account and were notified of payment, please remove the late payments.
Product: Debt collection

Collector is attempting to re-age a XX/XX/XXXX debt by reporting to credit bureaus that it was opened in XXXX XXXX and to make matters worse reporting that the account went into default in XXXX XXXX, moreover they also claim that the first date of delinquency occurred XXXX XXXX. The the payday loan was originated in XX/XX/XXXX but XXXX solutions has re-aged the account and has confirmed the above dates to all XXXX credit bureaus. They have also claimed that they just found me in XX/XX/XXXX XXXX solutions is in clear violations of FDCPA. I have contacted all XXXX Credit bureaus regarding this matter and XXXX and XXXX and they have failed to abide by the policy in place to prohibit such reporting. I would like this erroneous item to be removed by both bureaus. I have went through the steps of contacting the bureaus but they have just taken the word of the collection agency.
Product: Credit card or prepaid card

I booked a vacation with Chase Rewards and have been trying to call Chase Travel Services to cancel that booking for 6 days, with a cumulative 10 hour spent on hold. Chase changed their cancellation policy to allow for cancellations online, but only if they a trip commences in more than 72 hours. That policy was changed 48 hours before my flight. I called Chase card services to find another way to cancel, but they informed me that the only way to cancel would be to speak to Chase Travel Services. The service person and manager I spoke with admitted that it was unlikely I would get through to travel services given the high call volume, so they didn't expect I would get through and be able to cancel. 

Chase 's policies are creating undue pain on consumers, they are underprepared and understaffed, and using an onerous cancellation policy to protect themselves.
Product: Credit reporting or other personal consumer reports

Provide method of verification used in your reinvestigation results to prove item you are actively reporting is 100 % correct. Also provide a copy of the reinvestigation results by mail. Per your referenced dispute initiated on XX/XX/XXXX - report # XXXX. 

Your reinvestigation information stated : " this item was updated from our processing of your dispute in XX/XX/XXXX. '' Nothing was updated, deleted or changed. With whom did you speak to verify the results of your reinvestigation into this matter? Please provide. If you can not provide me with this information, please permanently delete from my consumer report. 

Item does not belong to me : DELETE : XXXX XXXX XXXX  PA XXXX It is your duty to follow the laws enacted by Congress. You have express requirements to adhere to and must ensure that your company is meeting its " legal obligations, including responding appropriately to errors. Please refer to Suluki v. Credit One Bank, NA, No. 23-721 ( 2d Cir ).
Product: Credit reporting or other personal consumer reports

I have requested numerous times to have a XXXX Charge off account removed from my credit reports. I have provided the court order dismissing the case XXXX brought against me for failure to provide the court any proof that this was my account. I have supplied that court document over and over and the credit bureaus refuse to remove the account. 

The account is not mine. I have stated that in court. I have stated that to the bureaus. Remove it.
Product: Debt collection

" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX of Penn Credit Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 
15 U.S. Code 1692c ( a ) Communication with the consumer generally 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.

This company is in violation and performing an infringement upon a consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX  XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported wrong information an employer causing me to get fired. I have started a dispute with the company that has well surpassed 30 days allowed for this. I have serious question as to the competence of this company to be doing this job as I had a representative become argumentative with me stating he was certain I lived at a downtown address, the address of the XXXX XXXX XXXX is where he argued that I live. I've never lived downtown, let alone the jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. 

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. 

It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
Product: Debt collection

The original debt was charged off by the original company in XX/XX/year> only after XXXX missed payments. I had no warning about it being charged off. Then in XX/XX/year> I get an email from a debt collection agency saying theyre trying to collect on the payment
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Equifax, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Equifax has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Equifax on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Equifax has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Equifax and any supporting evidence that substantiates my claim. I have also kept a record of all communication with XXXX, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt XXXX to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXcount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

This account was charged off on the following date ( XX/XX/2022 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of Limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account from my report immediately : Account name : XXXX XXXXXXXX XXXX Account Number : XXXX.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$6700.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Debt collection

In process of filing for bankruptcy and they continue to call my work and my mom even after repeatedly telling them not to call and the situation with our bankruptcy. Today XXXX called my mother said not to call her again and then hung up. He called immediately back and said he was not going to remove her number and will keep calling. XXXX also continues to call my job even though I have told him multiple times I can not accept calls at work.
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 XXXX XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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

To Whom It May Concern I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give them written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681. 

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 : Is where it 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. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, XXXX XXXX XXXX
Product: Debt collection

All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I  contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector  someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax XXXX XXXX.