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

I have submitted a FTC report to Equifax and they have yet to remove the fraudulent accounts and inquiries from my consumer report. They have violated numerous sections of the FCRA. Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 
I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If these accounts and inquiries is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Debt collection

This complaint is about LVNV funding. They sent letters to a place I was living in three months ago in the males forwarded to my mothers house. On XX/XX/2021 I received a letter saying after reviewing the dispute they have a reason to believe that it was submitted by a credit repair organization. They continuously misrepresented their self but from the same company I received the first letter on XX/XX/XXXX of 2021 I have that latter.. I received another letter on XX/XX/XXXX of 2021. I received another letter for garnishing my wages after they actually garnish my wages. And the price That was supposed to be old was {$900.00} they sent me a or order for {$1300.00} Today I received a court order which is XX/XX/XXXX I received another letter with {$1400.00}. This is for another court order I dont understand why this is happening. If there was already a court order where the air they sent me another court order. They misrepresented their self to my job and I dont think its fair that they could do this to people. How is it that theyre already taken wages from my check but now they want more is that even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX of XXXX and XXXX of XXXX, i sent the check to pay my account in full and they never recieved the payment ... now i have 3 late payments that is not supposed be in my credit report ... i letter them to ask if they can remove it because it's not even my fault ... and i never received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Paid Off The Credit Card I Had With XXXX XXXX Earlier This Year. The Agreement Was Pay For Deletion. Even though The Transactions Where Fraudulent And I Reported That Several Times With XXXXXXXX XXXX. I Paid The Full Amount To Remove The Credit Card From My History And It Is Still There.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I had reached out to Transunion and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

RE : Equifax I was denied service from XXXX because they ca n't establish my identity thru Equifax. When I tried online at Equifax they ca n't find a file on me even with driver 's license number. I have not had an auto loan since XX/XX/1970 and my house mortgage has been paid off over 20 years ago, although I do have at least XXXX active credit cards. Also have an account with electric company and cable company and accounts at XXXX local banks.
Product: Prepaid card

On XX/XX/2024 I received my tax return on the American Express Serve Card. Immediately submitted payments of {$83.00} for XXXX XXXX and {$64.00} for XXXX XXXX Returned payments. I tried to withdraw money and was able to receive {$500.00} on the XXXX of XXXX and after that I have not been able to receive any money from any ATM. I transferred the remaining funds to my external banking account. I still have not received it. it said XXXX days. Now they are telling that it takes longer. I told them if I don't have it in the 5 days that I would be returning the phone call.
Product: Credit card or prepaid card

I have applied for a XXXX credit card back in XXXX an I havent received my card in the mail as of yet XX/XX/XXXX, I have called numerous times trying to get help they say they will do a dispute for fraud and they havent done so its hard to speak with someone then I do they have to mail me out a letter to verify its me because I dont no my account number only the last four digits but they can call me to ask for a payment what a joke and I no for sure that this XXXX credit card comes already activated and it shouldnt like other credit cards out here now I called 7x and still not getting the help that I need I explained to them I havent made no purchases off this card I live in XXXX nj they have no proof I made these chargers or my Id this company is a fraud and I will like for my bill to be fix and closed Im not paying for no one chargers thats on this account and its a lot of bad reviews regarding this XXXX company ridiculous I shouldnt taken 7 calls to get my dispute in correctly..they supposed to mail me a new card with a new account number I still havent received that yet they dont have too because now I want this account closed!!!
Product: Vehicle loan or lease

On XX/XX/XXXX I was injured at work. Unfortunately, my injuries required ongoing medical treatment prohibiting me from working. Immediately, I notified XXXX in writing that I was not working and included the contact information for my attorneys so they could confirm this information. 

On XX/XX/XXXX I was struck by a large SUV ( hit and run ) necessitating I be transported via Ambulance to the University of XXXX  at XXXX. These new injuries exacerbated my already infirmed condition. XXXX XXXX XXXX -- my XXXX XXXX XXXX " totaled out '' my vehicle leaving a balance of {$2700.00}. XXXX XXXX sent XXXX a check for {$10000.00} and took possession of the vehicle. I never had possession of the vehicle after XX/XX/XXXX. Once again, I contacted XXXX in writing and via the Office of the President 's Client Relations department. Initially, I asked if the payments could be reduced as I was not working. XXXX told me no. Subsequently I have received a Notice of Acceleration. More importantly, they have completely " tanked '' my credit score noting " late payments. ''
Product: Credit reporting or other personal consumer reports

This afternoon, I was dismayed to see accounts that shouldnt be on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were surprising errors. I even tried refreshing my browser, hoping it would help, but the inaccuracies remained. Im asking for a detailed review of my submitted documents to ensure I never have to face this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion does not allow you to put a freeze on your credit through their web site without signing up for an account. Although the account is free, it requires acceptance of a " terms of service '' agreement with a bunch of nasty stipulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

SEE ATTACHED LETTERS BEEN SENT AND PROOF OF MY ID
Product: Money transfer, virtual currency, or money service

In XXXX the contacted by XXXX XXXX for a job in advertising campaign. Received a Check on XX/XX/XXXX and it didn't cleat the bank closed my account.- XXXX Credit Check Deposit ( Mobile ) Reversal XXXX XXXX Credit Monthly Interest Paid XXXX. 
XXXX XXXXredit Check Deposit ( Mobile ) XXXX
Product: Debt collection

A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I filed an identity theft report with the FTC and the three major credit bureaus in reference to Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}. I sent a letter to each bureau describing the identity theft and including the FTC report ( and have also done so AGAIN this week in XXXX of XXXX  ) ..At that point ( XX/XX/2023 ) the fraudulent account was from XXXX XXXX XXXX ITSELF.. now that same organization has KNOWINGLY submitted a collections account on an account that has been identified as fraudulent AND the credit bureaus have placed the collection on my credit file causing my credit score to drop again causing detriment to my financial wellbeing ( which is in direct violation of the fair credit reporting act! ). If the original account from XXXX was deleted and marked as fraudulent the fact that three bureaus KNOWINGLY placed a collection on my credit file for the SAME fraudulent account is breaking consumer laws. All three agencies continue to remove items then add back the fraudulent collection items for the same accounts which are completely INACCURATE debts which then drops my score significantly each time they have done this ( now three times ) AND which has an extreme adverse reaction and is detrimental to my financial wellbeing. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX. All three bureaus ( XXXX, XXXX and EXPERIAN ) stated everything was complete and removed the original creditor. But now they have allowed a collection account from that same fraudulent loan appear on my credit file.. the open date, date of last activity and much more is incorrect and completely untrue and fraudulent. And each time they add and remove this account it affects my score DRASTICALLY ( now two times ) which is causing serious hardship and affecting my livelihood AND financial wellbeing. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly 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 an 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 items 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 ) ( 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. DELETE ALL ACCOUNTS LISTED ABOVE from each of the credit reporting agencies ( XXXX, XXXX and Experian )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX Credit Line : {$500.00} Opened : XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Product: Debt collection

I received a letter in the mail from Frontline AS on XX/XX/2021 notifying me of this debt. They stated that I had 30 days to disput the validity of the debt before they reported it to the credit bureaus. I mailed them a Validation request, via certified mail, with tracking number XXXX, it was signed for and received by Frontline on XXXX. 

I have not received any validation documents, or any contact from Frontline since that time. However, they have recently reported a collections account to the credit bureaus which is a clear violation of the FCRA. 

This is a strongarm tactic to try to get me to pay an unvalidated debt and should be punished as I'm sure I am not the first person they have done this to.
Product: Credit reporting or other personal consumer reports

I called the XXXX XXXX XXXX Mutiple times and could not get thru. I requested info thru the credit reporting Breau with them not answering my request just saying it was verified but will not explain how. I also disputed these same accounts six years ago and they were deleted but added back 5 years later. These are fraudulent accounts, and I can not get any help. Also, the XXXX XXXX XXXX did not have my address and the Credit Breau 's informed them of my address. now I'm getting letters that do not belong to me.
Product: Student loan

In XXXX, I spoke with a Wells Fargo representative who told me that my loans would not need to be repayed until XXXX unless I graduated before that, in which case I would have a 6-month grace period after my date of graduation. My school inaccurately reported that I graduated in XXXX XXXX. I needed to work with the school to update my graduation date to XXXX XXXX. I submitted paperwork to Wells Fargo with this information, and I expected a 6-month deferment period after XXXX. However, Wells Fargo said that part of my loan had entered repayment while I was still in school. I thought this was part of the same clerical error, so I attempted to work with them to update the repayment date. However, they insisted that part of my loan went into repayment while I was still enrolled XXXX in school, and they declared this loan in default and demanded payment in full. I do not have the amount that they are requiring I pay upfront, and they are not willing to work with me to find a manageable solution to a problem that they created. They claimed to be able to consult phone recordings of previous conversations with them, but they refused to check on the call where I was informed that I would not have to start paying until XXXX. Further, they said they attempted to contact my co-signer about this, but my co-signer did try to call them, and they refused to talk to her. They said that I needed to speak with them directly. However, they would always call while I was at work and unable to answer, and every time I tried to reach them, the call went to voicemail. It seems that they were trying to prolong the conversation period in order to force this loan into full repayment.
Product: Credit card

After my husband started and lost a heated argument over their baggage policy, one of XXXX XXXX XXXXXXXX XXXX gate agents tricked me into paying twice for a single piece of oversized luggage by saying that the first contactless transaction did not go through. Then he told me to leave my luggage at the gate and never loaded it into the plane 's cargo, but not before uttering a slur. After landing and learning about all this issues, I tried to get in touch with merchant XXXX  via email, website, and phone only the phone was successful after calling nonstop for several days. XXXX  showed no desire to fix these issues, so I proceeded to start a dispute with Apple Card/Goldman Sachs . This was in XX/XX/2023. 

Almost a year later, Apple Card/Goldman Sachs has done nothing to properly investigate this fraud. At first, three different agents declined to share any of the evidence submitted by merchant, claiming that they were not allowed to do so. Reminding them of their obligation to do so under 15 U.S. Code 1666 did nothing, and I file a complaint with the CFPB for Apple Card/Goldman Sachs to finally send what little evidence was provided by merchant XXXX 

The evidence in question only contained the receipts for the duplicate transactions and a copy of their policy of not refunding any baggage fees under any circumstances. It didn't address their employee 's fraud in any way, it didn't prove that my baggage was delivered to my destination, and neither did it show that any sort of internal fraud investigation was conducted. Nonetheless, Apple Card/Goldman Sachs felt this joke of a response was sufficient evidence to reject my dispute. 

Meanwhile, I've submitted all sorts of available evidence copies of all electronic communications with merchant, merchant call transcripts, testimonies but apparently, Apple Card/Goldman Sachs thinks none of this is enough to give credibility to my claims.

Furious at this flagrant injustice ( and frankly, a scam of a process ), I've reopened my dispute with Apple Card/Goldman Sachs at least three times to date. Each time, they have asked for more and more evidence from me, while the are perfectly fine reusing the same vacuous letter provided by merchant. I have complied with each and every asinine request and submitted more and more proof each time, all for nothing. 

After all this time and effort wasted dealing with Apple Card/Goldman Sachs , I am at the point where I have no trust in their dispute process whatsoever. Compared to the degree of shady behavior I've been subjected to by these companies over 9 months, the money tied up in this dispute means very little, and I'm submitting this new complaint to the CFPB to perhaps naively expose the shameful practices of XXXX XXXX XXXXXXXX, Apple Card, and Goldman Sachs before giving up. 

If there is one thing I've learned from this completely awful experience, is that from now on I'd rather fly exclusively in XXXX crafts and risk my flight falling apart midair each time than ever again deal with XXXX XXXX XXXXXXXX, Apple Card, and Goldman Sachs.
Product: Debt collection

Harris and Harris keeps calling me and when I called back they said I owe money from a hospital Ive never been to. I asked for them to leave me alone and they keep calling.
Product: Checking or savings account

I open a account with Citibank on XX/XX/2022 they send me a alert that my account was placed on hold to give them a call so I called them and the representative told me to allow 24hrs and I should be able to have my account back so I have called every day and all the representative have told me the same thing to give them 24hrs is currently XX/XX/2022 and no one has answered my questions and my account is still on hold I spoke to a supervisor and she told me theres nothing she could do but doesnt tell me h th e reason thats all the money I have so I had to call off cause I had no money for gas I also have XXXX kids XXXX  custody and I cant buy them anything