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

XXXX   XXXX , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since  XXXX  of   XXXX   this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6. It has   appeared as being placed into collections from  XXXX . It was also placed into collections by  XXXX   XXXX   XXXX . Each time, it was removed. Now, it is showing back on my report AGAIN and it is on my   XXXX   and Experian. I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am  I right? Becuase I have not received not one  shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? How does Experian and  XXXX  justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now  the 7th tim e the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.
Product: Credit reporting or other personal consumer reports

Here is my situation. I am XXXX  and I arrived in the US  in XX/XX/XXXX under the program XXXX ( for XXXX ). The last time I was in the US was 11 years ago when I was a student in XXXX. In XXXX I received my Social Security Number for working because I had a XXXX XXXX. 

On the XXXX of XX/XX/XXXX, I tried to open a secured credit card in XXXX  XXXX XXXX but I was refused because of unexpected reasons ( Current or past delinquency, derogatory public record ( s ) ). I was curious about why I received these denying reasons and decided to check my credit report to see if everything was okay with it. 

Unfortunately, my credit reports ( XXXX, XXXX, XXXX ) showed me that somebody stole my personal information and created many credit debts ( more than {$100000.00} ) in different banks using my personal information without my consent. 

For now, it remains to close the last bank account ( in USAA bank ). I already called their fraud department hotline and sent them a letter with copies of my documents, but the bank refuses to take this account with debts of {$22000.00} from my credit report.
Product: Credit card or prepaid card

I had disputed a charge from liberty mutual that took place on XX/XX/2021 and direct express the card company who my government funds go to had issued back a provisional credit adjustment on XX/XX/XXXX in ny favor of dispute. I had then withdrawn the amount ( {$32.00} ) on XX/XX/XXXX I noticed on my app for direct express there was a reverse credit added for {$32.00} so I withdrawn that. Same day on XX/XX/XXXX a couple hours later I noticed on app that I had overdrawn {$31.00} wondering why when these credits was given to me ( both ). So same day later I contacted directed express by phone one department seem to understand and was confused to why overdraft but wasn't her department to handle so she transferred me to the dispute team to see what was going on with my dispute I had. The lady there claim the dispute was still open. I asked why did I receive the credits already. She stated it was a temporary credit. And I told her I received two that I withdrawn that " they '' sent .she stated that one was sent back .I told her thats not my fault a d shouldn't be held accountable .also told her if they send two credits I felt I should withdraw if its on my card. And also told her that 1 dispute was XXXX I didn't dispute two XXXX thats not my fault for any overdraft fees and my account showing overdrawn XXXX. She stated that they still have dispute open and all she can tell me is " with attitude " is to wait and see if fund will be placed back on card or otherwise it will stay the same.i figure saying the same isn't right! None of thats my fault. This is direct express government card.and they are no good when it comes to issues like this. Once this is solved I'm thinking of having my funds go elsewhere
Product: Debt collection

This is not my account and is a result of identity theft. I have tried to resolve this unknown debt with the previous creditor - XXXX And sent 3 notice letters requesting the validity of this debt and never responded. They refuse to respond to my request in writing and " in writing '' is the only way i want to be contacted. They are fraudulently collecting a debt that is not mine/never authorized. And refuses to show proof of validity this debt is mine! I demand that all correspondence regarding this debt is sent to me in writing.
Product: Credit reporting or other personal consumer reports

There's a collection on my credit report that should be removed because this is false and incorrect information as the collections company, XXXX XXXX, Account # XXXX and Equifax hasn't provided me the required information I requested according to the Fair Credit Reporting Act and the FDCPA to provide proof of validation, purchase agreement in accordance with ( FCRA ), 15 U.S.C. 1681, FCRA section 605B along with 15 U.S.C. 1692c. This issue has been settled with the original creditor and not the debt collection company which is illegally sharing inaccurate information and unable to validate the debt because it's been removed with the original creditor XXXX that guaranteed over the phone that once paid, it would be removed and the debt collection can no longer furnish the information because it legally doesn't belong to them which Equifax or the CFPB can call and verify. 

It's been 5 months now, that I have demand this information from both XXXX XXXX XXXX and Credit Bureau 's and haven't received in mail no such validation to prove they own this debit and can collect. This is blatantly incorrect and illegal and I demand this information to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

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

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fail Credit Reporting Act ( FCRA ) to conduct a reasonable re- investigation of disputed information on my credit report, leaving it inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax a legend, systematic issues such as failure to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm of my credit standing. Im requesting immediate corrective action to remove or amend disputed accounts as Equifax in action violates federal law and my rights as a consumer.
Product: Credit card

I obtained 2 synchrony Bank credit cards : one from Ashley furniture the other from rooms to go after I bought my first home in XXXX XXXXXXXX I tried to use my Ashleys card for a second purchase and it declined In XXXX I contacted them to find out why i was told they issued a letter that they lowered my card about {$1000.00}. Shortly after I received one for the Rooms to go card as well. When I contacted them and confronted them that lowering my balances caused my score to drop, that advised they reserve the right to lower the balances at anytime and they do not need to notify me prior to doing so. I tried to speak with them as it was known I was in the process of furnishing my home. So my card balances have increased, but I have not missed any payments and will be lowering my balance within the first quarter of XXXX. They advised they will not reinstate the original limit and they are entitled to decrease as they see it. On XX/XX/XXXX I received a letter that they decided to close my Account on the Ashley card while in still paying the balances on the card. I have not missed one payment and should have 2 years to pay off my purchases. This of course will have horrible effects my credit while Im in the process of working to pay off my cards and bring back up my credit score.
Product: Checking or savings account

started XXXX with the first notice from Fifth Third Bank. l explaned up front that l have never used XXXX with their bank. Someone hacked my bank account through XXXX. they withdrew the money from the accts of three banks and a credit card. all funds were given back except for Fifth Third Bank that l am still struggling to work with, but their decision became final, stating that l had to have given them a passcode, of which l did not. they reopened the case a couple times with the same results. ln the beginning they gave me a portion of the money back, putting it into a new acct. and that was taken out of the new account again through XXXX  before l could get into my ''new '' checking acct. Everyone l talk to at Fifth Third says that they know that it was fraud, they reopen the case and then l receive another letter of denial with the same decision blaming myself for the mishap. l have tried everything possible without any success. l am still getting phone calls from a fake fifth third bank phone number and they even leave a message! l have pictures of the numerous caller ID 's that show up on my home/cell phone. l have also saved messages. l believe they are trying to get me to answer the phone so they can get back in. When they call it shows up, 5/3 Bank. lf Fifth Third calls from a branch it shows up spelled out. l believe that l answered the phone when the hackers called and that's how they got into my banks through my computer or cell phone. They, as of XXXX, are sending to collections from an ''auto-withdrawal that went throgh.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  ( collection account ) I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and Equifax have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.
Product: Debt collection

I bought three items from a local ashley store. The next day they delivered one and broke the couch moving it in because they didnt take the couch out of the box and jammed it through the door. I told them to take it back i'm not signing anything. Neither one of them spoke one word of english so they eventually left with no signature from me at all. I explained all of this to the local branch manager where i bought the items two months ago and she said she would get back to me and never did. Then two months later i get a bill for XXXX. The couch in a fixed condition was only XXXX, how can the bill be XXXX for a broken couch? I told them two months ago to come get this couch and they refuse to pick it up thinking if they send me a bill i'll pay it. I want this couch picked up and this to be over. I spoke to someone at the customer service line for the last two days and spoke to supervisors that said they would call me back and have not heard from anyone.
Product: Money transfer, virtual currency, or money service

To whom it may concern : Hello, I signed up for 'Coinbase ', an online digital currency ( cryptocurrency ) wallet storage website on XXXX XXXX, XXXX. Coinbase was a great site as I was initially successful in making numerous successful transactions and deposits from my XXXXXXXX XXXX account which converted US dollars into 'Bitcoin ' and 'Ethereum '. 

Some transactions include : XXXX XXXX, XXXX - Purchase for XXXX Bitcoins ( {$2500.00} ) XXXX XXXX XXXX - Purchase for XXXX Ethereum ( {$2400.00} ) XXXX XXXX, XXXX - Purchase for XXXX Ethereum ( {$4900.00} ) It was until about XXXX XXXX, XXXX when I attempted to log-in to my account so I could buy some more coins since my birthday was coming up. I was not able to access my account because Coinbase had indicated that my " Account was disabled ''. A couple hours later, on XXXX XXXX, XXXX at XXXX local PST time, I receive what appears to be an automated email saying they 've received my request -- this made me a little more at ease. No response until about a week later on my actual birth date, XXXX XXXX, when a representative from Coinbase, by the name of " XXXX XXXX '' replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. Please let me know if the matter develops further as we investigate. Regards,  XXXX. 

I do not receive any updates or notices so I try again on XXXX XXXX, XXXX. Then again on XXXX XXXX, XXXX, as I am growing extremely worried at this point. I have been professional and polite in my email requests as well, but still, no answer. I email Coinbase again on XXXX XXXX, XXXX and again, nothing. 

This matter is extremely time sensitive since the cryptocurrency market is 24/7 in real-time and I am not able to make trades let alone pull my money out from this horrendous website that is now a scam in my opinion because I do not know what else to do. Please help with this matter. I would be extremely grateful at what ever it is the CFPB can help with. Thank you for taking the time to read my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - A FISRT NAME BASIS Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged DEPT OF ED/XXXX  - XXXX XXXX XXXX  XXXX XXXX - XXXX DEPT OF ED/XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

in XXXX XXXXthis ordeal began. when I applied for a high profile job and was told my credit was not accessible and it's been ongoing since that latest conversation was on XX/XX/XXXX at XXXX. I am told the same thing each time and when I've. demanded a supervisor they're said the same thing 7 times since XXXX and on the latest call. the first person who answers says there is nothing holding my report or me getting it it's my computer browser and inaccurate information the person or entity is trying to use that's incorrect. to that note after asking and finally getting what they have on file there the one inaccurate by about 7 years to be exact on their personal information they have for me not even what's on my license or anything an employer has sent as information but that's either here nor there really cause when i ask for a supervisor and start/ half to threaten them with lawyers to even get one on the phone. the supervisor all the sudden finds a alert or freeze to explain it and states he go ahead and process its removal and in 24-48 hour, it can be accessed on my profile by me or any entity. however, I've heard that 7times in almost 12 months now latest of which was XX/XX/XXXX around XXXX of which to date nor i OR AN YONE ELSE can get it as promised. now this has caused my reputation in my field to take massive hits, caused me to lose 3 jobs and directly because my profile could not be accessed and as of late countless loans for business cars etc. just in income on the last fiasco a week ago its cvost me a salary of XXXX year before bonus or other gains and a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report and noticed a Auto loan and also an account I do not recognize
Product: Credit card or prepaid card

I opened a prepaid accou t with chase on or around theXX/XX/2018. And deposited approx {$1000.00} of my pay check. I made two transactions and the account was frozen by the bank almost immediately after I responded to a fraud warning when I was trying to use it that same evening. Since that moment Chase employees have lied to me at every turn. Clearley not mistakes willful and spite filled lies about the amount location and projected payment date of the few hundered dollar balance. Today alone the status of the account I was told on Monday would be closed Wednsday was said to closed then I was told open and suspemded before they settled on it being closed and the check procceced as reason that I could not come to a branch and simply withdraw the funds. I have been told the entire time this was not possable but today apperently it is. I don't trust banks clearly and know full well they serve no legitimate function but still feel their unique status and the public allowances granted them to circumvent trust laws and sound bussiness practices complells them to some degree of honestly. Or at least have some law that prevents attempts to insight violence with hired thug security or telling abject lies to the faces of their customers. How long must I wait before I can charge late fees and interest compounded as they do us? Or is this a totally one sided government forces exploitation bank XXXX XXXX XXXX