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

Equifax has willfully violated my rights as a consumer numerous times. 

Pursuant to 15 USC 1681 ( a ) 1 The banking system is dependent on my Consumer report being fair and accurate. After reviewing my consumer report, I realized that my report was inaccurate and therefore unfair and has adversely affected my credit worthiness. I was never notified when this inaccurate information was furnished and I was never notified during the company 's initial investigation that this information was going to be reported. Equifax 's continuous negligence and grave lack of integrity has diminished my confidence in this company 's procedures. 


Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role and was not given permission by me, the consumer, or a competent court of jurisdiction. So, not only did this company fail to initially investigate the information as required by law, but also assumed that the information was valid, which is another violation of my rights ( Pursuant to 15 USC 1681 ( a ) ( 4 ). Equifax states on its website that, " great care has been taken to report this information. Please help us in acheiving even greater accuracy by reviewing all the the enclosed material carefully '' yet, has shown impartiality by only considering one side of the story and that has resulted in my privacy being breached and a violation to my right to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. These alleged transactions that are reporting and were failed to be properly investigated as to whether or not they actually took place between the consumer and the person making the report. Which means that it should not be included in my consumer report and is in fact a violation of my rights. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( iii ) In the initial investigation I was never given the opportunity to deny the information being communicated on my consumer report.Most recently there has been an influx of abuse with negative and inaccurate information ( example attached, Exhibit H ) and unauthorized hard inquiries furnished that has caused me mental anguish, ruined my reputation and limited and certain opportunities. 

Pursuant to 15 USC 1681a ( B ) ANY authorization of a specific extension of credit card or similar device should be excluded from my consumer report. This alleged that Equifax clearly did not investigate categorized as a transaction that was issued from a credit card as defined under 15 USC 1602 ( l ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I made an agreement with XXXX University and their debt collector to rehabilitate a student loan. I have adhered to all parts of the agreement. Yet this is still showing up on my credit report negatively and in collections. This is unfair and is affecting my life adversely
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, XXXX status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in XXXX Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my XXXX  reports within XXXX XXXX, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX  : Application For Award For Original Information Overview with the Internal Revenue Service against XXXX  entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit reporting company has been denying me access to my credit reports from them as I have been a victum of identity theft and they have been hiding this for several years, then in 2017 they  were hacked and I found my information had been all over this [ Dark web ] sold several times, my private life and information has been severely damaged thru their negligence and failure to protect my information, im afraid to get any type of credit cards or anything because of what I found, I filed a claim with the administrator of the lawsuit and I will not accept any XXXX offers, if I have to I will file suit for minimum of the {$20000.00} claim due to the extent of what I saw, I have been trying for about five years to get a credit report from them, so I know they are hiding something from me. I recently requested thru this annualcreditreport for copies from all three companys and as to date have not received them. I believe I should be compensated for the damages not some pitiful {$120.00} amount. or their so called free credit monitoring which does nothing to fix what they allowed to happen. 

Thank you the files im sending are just a few so you can see what ive been up against with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Maine resident attempting to freeze my credit report with Equifax in light of the massive data breach. They are attempting to charge me {$10.00} for the freeze. As a Maine resident, as of XXXX, we have a law stating there is no fee for freezing and un-freezing your credit file. 

As per http : //www.mainelegislature.org/legis/statutes/10/title10sec1310.html " ... Beginning XXXX XXXX, XXXX, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report. [ 2015, c. 139, 2 ( AMD ). ] '' The other reporting companies ( Transunion and Experian ) successfully implemented freezes without requesting credit card information and payment. This breach is the fault of Equifax and not only should they honor Maine State Law and freeze my credit report without charge, but in this crisis, they should allow anyone in U.S. the ability to freeze their reports for free. The last thing we as consumers should be required to do is provide more credit card and personal information to a company that just demonstrated to the entire country that they can not and should not be trusted with such data.
Due to this delay in my ability to freeze my report without unnecessarily ( and illegally under Maine State Law ) providing them with even more sensitive information, they should be responsible for any, and all fraudulent activity that happens in my name ( and every other affected citizens ' name ), until there is a satisfactory resolution to this crisis.
Product: Student loan

My personal and financial information was compromised without my authorization. The Family XXXX Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. The breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit card or prepaid card

I am reporting a dispute with the Bank of America. I have just discovered the root of charges on my credit card that I did not recognize. 
I was offered merchandise as a sample through Bank of America. This merchandise was " free '' and I was being sent it because I was a good, loyal customer, and it was a customer reward. I kept receiving merchandise that I thought was " complimentary ''. Then I received charges on my credit card for {$4.00}, {$5.00}, {$94.00}, {$92.00}, {$94.00}, {$92.00}, {$94.00} and {$92.00}. I was billed through a company called " total solution muscle '' and " healthy revision diet '' from XXXX  XXXX, XXXX. I filed a dispute regarding these charges and I filed a police report not realizing that the merchandise they were sending me was from this company. The merchandise had nothing to do with building muscles or dieting!! 
I never received anything from the merchant stating that I could call to cancel this " subscription ''. I did not know that there was a subscription. I did not know that I was being exorbitantly billed for this merchandise. I thought it was " free. '' I have been misled and deceived. Now I am being expected to pay {$280.00} to this " merchant. '' For an item that I was receiving through a Bank of America scam. Bank of America refused to honor my first " claim '' and I contacted the merchant, ( BOA provided the phone number to me, after they searched for it and found it, and this took awhile ... ). and they told me that they were a " third party '' and that their company did not have a name, but that it was for " face serum ''. I offered to return the product and they did not want me to send it back. When I did contact the merchant, I realized that I have been duped! I tried to contact Bank of America, and reported this to their fraud department. Bank of America is in league with a company that is abusing clients!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

Am in good standing with XXXX loans, i have filed with XXXX departments defferrement based on low income, it came when i tried to apply for morgage as first time buyer and discovered there was different XXXX loans i wasnt aware of it. They have reported me to credit bureaus
Product: Debt collection

I received a letter in the mail on XX/XX/2020. The letter was from Caine & Weiner collections agency stating that I owed a debt that XXXX XXXX representative stated that I did not owe, and the debt was paid in full. I disputed the amount owed in the letter within the 30 day time frame, and the still stated that they did not receive the letter, and that they will not remove the debt from my credit report. 

Caine and Weiner stated that they did not receive any written correspondence from me and that they will not send me a detailed accounting verifying that i owed the debt. I sent them a copy of the letter and they still refuse to acknowledge the letter and remove the debt from my credit report. 

I do not owe this debt, i disputed this debt, twice now, and they are refusing to take debt off my credit report and will not send me any documenting proof that i owe this debt.
Product: Student loan

Every year I apply for income based consolidation it takes forever, every time I call I get different information from different representatives that always contradict eachother. I was on an income based repayment for two years because I was informed that it was my best option for repayment. What was n't explained to me was that my income based payment each month only covered the interest that was accruing. I was paying for two years and my loan payment was not going down at all. I spent all of this time and money wasted and it was n't doing anything except benefiting the student loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXXXXXX XXXX XXXX : {$6200.00}
Product: Credit card or prepaid card

Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my AMERICAN EXPRESS CARD that I had saved in my XXXX ACCOUNT. I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About XXXX weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to XXXX, and XXXX SHOULD HAVE RELEASED IT back to my American Express card. I called XXXX they told me they sent it to American Express, I assured them they did not because I never received the money back. I called American Express and they told me they never received the money from XXXX. At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a XXXX way call with both AMEX AND XXXX, and AMEX told XXXX XXXX LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX XXXX Told me they were going to find out where the money is, it is now been XXXX months later and XXXX has now told me XXXX never released the money back to them. At this point I am tired of this situation and the constant back and forth within the companies blaming each other. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. The total I need to be refunded is {$1800.00} The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The AMEX CASE NUMBER IS AS FOLLOWS : XXXX The XXXX Ticket rush number XXXX that was supposedly escalated to get me my money back in XXXX hours ) is as follows : XXXX Please help me! I HAVE PROOF IN WRITING THAT XXXX AGREED TO A REFUND SO I WANT TO RECEIVE MY REFUND ASAP BUT AMERICAN EXPRESS SIDED WITH THEM WHEN I FIRSR DISPUTED TRANSACTION SO THAT IS WHY THE MONEY HASNT BEEN ABLE TO GO BACK INTO MY AMEX ACCOUNT EVEN THOUGH XXXX APPROVED IT. AMEX AND XXXX NEED TO WORK IT OUT WITH EACH OTHER BUT I NEED MY MONEY BACK.
Product: Credit card

I opened a Capital One XXXX credit card in XX/XX/year>. I paid annual fee of {$390.00} with perks come with the card. {$300.00} travel credits, lounge access, etc On XX/XX/year> at grocery shopping checkout line the payment was declined. 

My XXXX  card was closed I found out from Capital One. I asked why? I knew I personally did not close the card. The agent and the supervisor provided no reasons why. They had no ideas as to why. They both advised me reopening the card was not guaranteed and it might take XXXX days. 
I have set up quite few auto payments that linked to this card. Inconvenience was the lead I can say. 

My credit scores average XXXX. At time of closing date I had a good standing, no late fee with credit balance. I lost annual fee and XXXX points to say the least. 

Please help me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account opened XX/XX/2017 and Balance {$0.00}. This is a closed account but company is showing late payments and I have never been late on any payments.
Product: Checking or savings account

JP Morgan Chase is committing theft. They took {$80.00} from me in the form of unauthorized duplicate payments and XXXX money transfers and refuse to refund me. They told me I " might '' get my money back but no guarantee. I spoke to 7 people and all of them told me the same thing, then they refused to give me any kind of documentation or report about this claim. They are thieves and incredibly corrupt. I am pulling all of my money out of Chase and closing my account permanently but have to wait 10 days until they " decide '' whether or not I deserve my money back that THEY stole from me. 
Then, when my friend tried to send me money, they told me they are withholding my transfer. Chase refused to look into it and said HE has to call, even though the money left his account and his representatives ( also at Chase ) said I have to call. So we are just going round and round with no resolution. One of the " supervisors '' even hungup on me.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt and was never given the opportunity to dispute it before it appeared on my consumer report, as I did not receive proper notification. This lack of notice is a violation of my rights, and I will not tolerate it. 

If you claim that I did receive proper notification, then I demand you provide the CERTIFIED mail receipt, including my signature, proving that I received such notification at least five days before this debt appeared on my consumer report, as required by 15 U.S.C. 1692g ( Validation of Debts ).

I am fully aware of my legal rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These laws grant me the right to dispute the validity of this debt, and they require you to provide verifiable validation of this debt upon my request. If you can not produce a certified copy of my signature, confirming that I received proper notification of this debt, I demand that this collection/charged-off account be immediately and permanently removed from my credit report. 

My name is XXXX XXXX, a XXXX XXXX man who has worked tirelessly to build a better life. Systemic racism has repeatedly impacted my financial situation. Recently, I became a victim of identity theft, resulting in fraudulent accounts on my credit report, further damaging my score.

Despite the protections of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), my case has not been handled fairly, likely due to racial bias. This identity theft has severely impacted my ability to secure a higher-paying job, essential for survival in todays economy. I am now at risk of homelessness due to inflated costs and this unjust situation. 

For 30 years, my credit history has been a constant struggle, worsened by systemic XXXX biases. As a responsible, literate XXXX man with a higher credit score, these fraudulent charges feel like an attempt to keep a XXXX person down, with a boot on my neck. I demand the immediate removal of this account and respect for my rights under the ECOA, FDCPA, and FCRA. 

Fraudulent Account Details Below : Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have right under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX ; Date opened XX/XX/XXXX Balance {$10000.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently viewed my credit report and I found several inquiries on my credit report that I did not authorize. I would like for these inquiries to be removed and deleted from my credit report immediately. Thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
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. 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 Account Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681XXXX. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.