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

Equifax and XXXX absolutely refuse to add my free 100 word statement to my credit report for past and future creditors to view. I have sent letters 3  times to both of them and have all been returned not opened. XXXX   has added my statement to my credit file with no problems at all. I spoke to an Equifax rep yesterday and all she wanted to do was argue and kept telling me there is " no 100 word '' statement that can be put on your credit file. 

I have contacted XXXX XXXX several times over the last 6 months of XX/XX/XXXX in an effort to consolidate my 4 credit card accounts with them. On each one of my 4 XXXX XXXX cards, I pay 23.99 % interest on each card. My goal was to consolidate all 4 accounts and have one  payment / interest rate. 

The reason I am sending this complaint to you is to request that you add this 100 word statement to my credit file for past and future creditors to review. My finance of 12 years and I have parted ways and I have lost over / one half of my monthly income. 

PLEASE PUT THE STATEMENT BELOW ON MY CREDIT FILE : I am no longer able to pay my 4 XXXX  XXXX credit card payments at 23.99 % interest on each card, due to losing of my income. My long term fiance and I are no longer engaged and I have had to stop making payments. Due to being on a XXXX income, there is no foreseeable way for me to continue to make payments or pay off these accounts. My bankruptcy in XX/XX/XXXX was due to wrongful foreclosure. I was advised to include my home to avoid future replevin from the bank. I have a long history of good credit. 

End of statement. 

I am unable to make payments on the accounts below ; XXXX XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX  XXXX Account # ending in - XXXX XXXX XXXX Account # ending in XXXX XXXX   XXXX Account # ending in - XXXX XXXX Account # ending in - XXXX XXXX XXXX XXXX Account # - account number not available I am entitled to a 100 word statement to be placed in my credit file - any help you could give me to get the 2 credit agencies to put my statement in my file for review would be deeply appreciated. Thank you very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information for name ( XXXX XXXX ) is incorrect/invalid please remove.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

purchased a car from  XXXX   XXXX , within  72 hrs t he car was taken back twice due to malfunctioning, I told them to keep it and left the keys and stop payment on my down payment ... they are now trying to collect debt stating that the car was n't returned to them or reported to them until the next year ... im been going back and forth with them for quit some time ... I even called them when I left the car in the car lot to let them knw that car was returned due to problems with the car ... I infrm them to go back and look thru their notes from  XXXX  ... there telling me that since they sold the car in an auction then im responsible for what was left over ...  .also both    XXXX   XXXX   and collection agency is trying to collect on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nothing happened. They did not delete anything off. My report at my account is closed suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach.
Product: Vehicle loan or lease

XXXX XXXX repossessed the vehicle on XX/XX/2018. We reinstated the loan on XX/XX/XXXX, which included the repossession fees of {$700.00}. There was to be another {$120.00} that would be billed at a later date. That was told to us by XXXX and the company the repossessed the car, which was fine. Since we reinstated the loan, XXXX has charged an additional {$700.00}, {$15.00}, and {$170.00} respectively at different times. There has been no explanation as to what the fees are. They are placed under " other ''. I have sent XXXX 2 different letters disputing the charges and they have not responded. As you will see through the documents provided, all past due amounts, late charges, and repossession fees were paid on XX/XX/XXXX ( please see " transactions '' ) I paid the exact amount they said in their certified letter that was needed to reinstate the loan. ( see reinstatement letter ) In addition, I have provided the statement from the repo company that all fees are to be capped in {$120.00} ( see vehicle release fee cap ). Finally, as you will see through my documentation, XXXX has failed to produce a statement for me since XXXX ( see statements ).
Product: Checking or savings account

I was sent a generic notification that my accounts will be closed on XX/XX/XXXX. There was no reason given, other than to refer to their " deposit agreement '' page XXXX section XXXX. It states Ally Bank can close my account for no reason. Surely there must be a reason, I am in good account standing, I work an honest job and make good money, I am not a criminal. I have attempted calling, chatting, and secure emailing through their web site, as well as posting on their social media and messaging thru social media. The only replies I have gotten were when calling. First call XX/XX/XXXX XXXX ( duration 40 minutes ) said I would need to call back during business hours and speak with deposit operations. Called back during business hours XX/XX/XXXX, ( duration 37 minutes ), was told I could not speak with deposit operations department and that there was no further information to be given as to why they are closing my account. Was put on hold to speak with a supervisor and was hung up on. Called back 3rd call XX/XX/XXXX ( duration 9 minutes ) put on hold again and disconnected. Called back 4th call XX/XX/XXXX ( duration 33 minutes ), was supposedly put on the line with a supervisor who was not friendly and very defensive. Said they are not required to give me a reason why they are closing my account. Chat agent said they would be escalating this to a supervisor who would reach out to me. I asked how they would be reaching out- call? email? carrier pidgeon? smoke signals? They could not confirm how the supervisor will be reaching out. So it appears they are chosing random customers to close their accounts for no reason or are going out of business and closing accounts instead of being up front.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I put in a dispute for collection account XXXX XXXX XXXX XXXX for {$1700.00}, the original creditor is XXXX XXXX XXXX  XXXX. This is on my Transunion report that was disputed through XXXX XXXX. The XXXX is incorrect ; Re-aging is illegal. On XXXX I received an email stating dispute was completed, my account is correct and it will stay on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Paid Off Notice for Synchrony Bank Installment Account No. XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally notify you about an issue with my installment account ( Account No. XXXX XXXX XXXX XXXX XXXX with Synchrony Bank, which I paid in full one week ago for the amount of {$15000.00}. Despite this payment, Synchrony Bank has not updated my file to reflect the full payment and appears to be attempting to collect an additional {$15000.00}, which has already been paid in full. 

The {$15000.00} was paid from my trust, with XXXX XXXX acting as the agent. Synchrony Bank has permission from XXXX XXXX XXXX to handle the account, and I am concerned that they may attempt to double-charge me, which would negatively impact my credit. 

To clarify, I, XXXX XXXX XXXX, have fully paid off the loan as of XX/XX/year>, at XXXXXXXX XXXX. Synchrony Bank and XXXX XXXX are aware of this. Any attempt to charge additional interest or fees will not be honored, as the loan has been satisfied in full. Should they pursue any legal action against me, I will counter-sue for any made-up charges and damages caused by this needless stress and financial strain. 

I am submitting this notice in good faith and request that Synchrony Bank promptly updates my account to show that the loan of {$15000.00} has been paid in full. Any failure to do so will be met with legal action to seek compensation for pain and suffering caused by their mishandling of this matter. 

If you need any further information, please feel free to contact me directly
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a procedure done at XXXX XXXX XXXX ( XXXX ), back in XX/XX/XXXX/XX/XX/XXXX. At the time I did n't have insurance and I applied for and received financial assistance for my bill. The XXXX financial counselor at the time, XXXX XXXX, stated that the financial assistance would also take care of 'ANY PROVIDER from XXXX XXXX & they would HONOR the financial assistance from XXXX XXXX By the time I received financial assistance from XXXX XXXX ; XXXX XXXX XXXX had already sent my bill of {$340.00} to XXXX XXXX XXXX XXXX. I initially explained to a very rude and aggressive XXXX representative, that I was not working had no income and was waiting for XXXX to make their decision regarding financial assistance. Once I received the letter, I FAXED the aggressive and rude, XXXX representative a copy of XXXX financial assistant letter ; ON MORE THAN ONE OCCASION. XXXX continues to refuse to honor the letter and wants me to pay them directly ; which I 'm refusing to. I continue to dispute this with them & just recently again disputed this item with XXXX. XXXX is refusing to honor the agreement the original debtor has regarding XXXX patients receiving financial assistance ; which is fraudulent. They also ignored the award letter I faxed over to them showing them the issue was resolved. 

At this point I can only attach a copy of the email I sent to XXXX XXXX asking for another copy of the award letter back in XX/XX/XXXX ; I have emailed XXXX XXXX requesting another copy of the letter. 
This incident has been ongoing since XX/XX/XXXX with 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX 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: Checking or savings account

I was just made aware that my bank, Bank of America, was ordered by CFPB to pay customers in Florida for systematically double-dipping on fees etc. my account. I have had an checking, savings, credit card and loan accounts with Bank of XXXX for over 20 years. 
According to recent document " customers don't need to take action to receive a payment as the burden is on the bank to either put funds back in consumer accounts or send a check. 

I have NOT received any funds back from Bank of America. 

HELP
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX  XXXX Original creditor : XXXX XXXX  {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXXXXXX XXXX {$3700.00} XXXX. XXXX XXXX {$3000.00} XXXX. Tbom bt {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am being sued by Conn 's Appliance here in Texas. The debt was legally charged off. This happened during XXXX. So they have taken a charge off which means that they have taken a credit on their taxes. They have damaged my credit file. So being sued for this debt that is charged off and they have taken a benefit from XXXX XXXX  is a type of double jeopardy for me. Items purchased where a sound system that still works and a computer that is lousy and barely works. 

I had complained to Texas XXXX XXXX  about their incessant caling even after I made arrangements. If I didn't put the future payment as part of the arrangement they would call several times a day from different phone numbers. XXXX XXXX stopped the call. So I am sure this is part of a retaliation of that. IT was on these same accounts. 

My point is they took a legal deduction in taking the charge off. They should not be able to sue as the debt does not exist as they took a writeoff of this debt. It does not show as a collection. Clearly both accounts are a Charge off. 

So now I was served for a judgement. Can this be stopped as they are trying to get a double benefit. The debt was erased and they have gotten a benefit from their coporate taxes. Please advise. Thank you, XXXX
Product: Credit card or prepaid card

I was awarded unemployment benefits over 4 weeks ago. I never got a card from Bank of America EDD because they never sent one. I called them and asked why my money hasnt been transferred to my bank account. I had it set up to transfer. They said well you have to to that with your new card, but we never sent you one. 
So they said they were sending a new card. Here it is over a week later and still no card. I called them and they said I have to wait up to 14 days to get the new debit card. I asked why dont you just transfer the money to my bank account. They said we cant do that because you have to set it up with your new card. 
So I have been waiting 6 weeks now for my unemployment debit card from the thieves at Bank of America. They say there is nothing they can do. They say I just have to wait. 
They also asked me if I k ow how many people they are dealing with. I said no its not my concern.
Product: Credit card or prepaid card

Just checked my Citi card and saw they decreased my limit from XXXX to XXXX. They sent no letters there is nothing in my message center and I have never paid late so Im not sure if they think theyre going to charge me outrageous interest rates to now put me over my limit bc thats what it looks like is going to happen Im left with XXXX. They could have at least bc I always paid on time gave me a notice I know they dont have to but with their high interest they are now going to put me pretty much over the limit and then what charge fees on top of that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.