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

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

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 XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : # # # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : 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 can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Request for Payment of Arbitration Filing Fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX Equifax Consumer Services LLC XXXX XXXX XXXX, XXXX, GA XXXX Attn : Request for Payment of Arbitration Filing Fees Dear Equifax This is a formal request that Equifax advance all arbitration fees prior to the commencement of the arbitration. The invasion of my privacy has caused ingury to my personal life and prohibited me from obtaining new credit. This is also my notice in writing to inform you of my intent to pursue legal action against Equifax for violations of federal statutes, including 15 USC 6802 ( a ), 15 USC 1682 ( b ), and the Consumer Privacy Act of 1974. The basis for this claim stems from the alleged breach of fiduciary duty, mishandling and disregard for the privacy rights of consumers. In CFPB complaint XXXX, I stated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX : # XXXX, has violated my rights. XXXX XXXX : # XXXX, has violated my rights. XXXX : # XXXX, has violated my rights. XXXX XXXX : # XXXX, has violated my rights. XXXX XXXX XXXX  : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 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. Code 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. But Equifas replied saying all accounts were verified but whom gave Equifax authorization? Where did they get their information? In my last CFPB complaint # XXXX filed XXXX was a reminder of the equifax data breach settlement claim # XXXX and the extended claim # XXXX filed as well. There has been no response in the package received by Equifax XX/XX/XXXX or in the previous CFPB complaints filed. 

Please adhere to the contact of equifax in the arbitration agreement which i have attached the Equifax XXXX XXXX Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct Equifax Credit Bureaus, XXXX, XXXX, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank you!
Product: Credit card

On XX/XX/year>, my Chase freedom visa card ( account ending in XXXX ) was charged {$50.00} For a XXXX XXXX XXXX annual fee renewal. I have NEVER had a XXXX XXXX XXXX membership, however, I have shopped at the store with a friend ( with this card ) in the past. I contacted Chase regarding a possible fraud, or to at least dispute the charge that I NEVER authorized. I spoke with a member of XXXXXXXX XXXX XXXX, who advised me that they have no record of ever charging the card. I wrote Chase a letter on XX/XX/year> ( attached ) including XXXXXXXX XXXX  phone number, as well as an incident number to refer to so it could be quickly resolved. 

As of XX/XX/year>, Chase refuses to pursue the charge as fraud, as well as honor my dispute, citing that I have to prove I paid the charge with another credit card. Therefore, they are telling me I am responsible for this charge. I do not understand this logic at all. Please help. 

To summarize, Chase is refusing to help with a fraudulent or disputed charge on my credit card for a transaction that I knew nothing about and never authorized. 

Chase charge reference number XXXX XXXXXXXX XXXX  customer service phone number ( XXXX ) XXXX XXXXXXXX XXXX  incident number XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting In accordance with the Fair Credit XXXX XXXX Account # XXXX is violating 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.

15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. Tower loan - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

Also the credit bureaus took more then 30 days.
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. ( XXXX XXXX. 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. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed an account in XXXX possibly XXXX. Either way, the closed account does not show on US banks end. I called and confirmed and they do not appear on US banks end as a closed account and records are not available for retrieval however they show a debit and atm card which is an indicator that clearly there was a checking and savings account at their firm. I called the first time and explained. The lady mentioned she would reach out to IT dept. She left me on hold for 10 to 20 minutes and the line disconnected. I did not receive a call back. I called again. Informed the second lady that someone is fraudulently calling in and having my info removed plus posing as my POA in which i did not have one. Informed her I had to disconnect and to call me if she has a solution.
Product: Credit reporting or other personal consumer reports

i did a credit check to see about my file and noticed there are fraudulentt accounts on my file these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 says nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or ha reasonable cause to believe that the information is inaccurate. these need accounts should be deleted and removed within 4 days of receiving this complaint Accounts XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$460.00} XXXX XXXX XXXX & XXXX Opened XXXX XXXX, XXXX Bal - {$560.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal- {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Bal- {$690.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal- {$750.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of the lease, we refinance the loan away from Honda financial. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent Honda financial a bill. This bill should have came to us. Honda paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with Honda financial. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the Honda Pilot are showing a 30 and a 60 day late for XX/XX/XXXX and XX/XX/XXXX. we did not have a loan or credit agreement with Honda Financial at this time.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had several late payments on an account that i was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. i have never been late on XXXX XXXX XXXX  this account # XXXX and account is paid in full. Please investigate and provide Proof with statements showing that these payments were late. if proof cant be provided i demand that payments be updated to on time as they should be as I was NEVER Late. thank you
Product: Checking or savings account

My cellphone has been hacked. I immediately went to my local bank to check on my accounts. Only, one of my accounts had been affected. While working with the customer service representative, the fraud was happening. He could actually see the transactions happening. He tried to stop it but could not. I filled out a fraud dispute report and was informed that I had done everything right and I should be refunded the total amount of what had been transferred out of my account. Having filed 3 different disputes I was denied my claim. I was told by several different supervisors that because the fraud happens by using XXXX, that it appears I initiated the transaction. I have never had a XXXX account or ever used that form of banking. I dont know what else to do. I have lost {$2500.00}. from my account. The date was XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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!
Product: Credit card or prepaid card

TODAY AT XXXX I LOGGED INTO THE ONLINE SYSTEM OF CAPITAL ONE TO MAKE PAYMENT FOR MY TWO CREDIT CARDS. AS I WAS ATTEMPTING TO PROCESS MY PAYMENT FOR ONE ACCOUNT IT GAVE ME THE PAYMENT DATE OF TOMORROW XXXXXXXXXX EVEN THOUGH I HAD UP UNTIL XXXX TO MAKE THE PAYMENT. 

I IMMEDIATELY CALLED UP CAPITAL ONE TO FIGURE OUT WHY THIS WAS HAPPENING AND SPOKE WITH XXXX WHO INFORMED ME THAT I WONT GET A LATE FEE BEING I MADE THE PAYMENT BEFORE XXXX. I ASKED TO TALK WITH SUPERVISOR AFTER THE REPRESENTATIVE INFORMED ME THAT I SHOULD CANCEL PAYMENT OF WHICH DID NOT SOUND CORRECT. 

I SPOKE WITH XXXX ACCOUNT SUPERVISOR WHO SAID SHE WANTED TO CANCEL PAYMENTS AND PROCESS THEM OVER THE PHONE AND I SAID NO BEING I WANTED THE BANK TO PROPERLY MODIFY THE PROBLEM. I ASKED TO TALK WITH AN ONLINE TECHS UPPORT PERSON WHO COULD DEAL WITH THIS MATTER BUT SHE DID NOT TRANSFER THE CALL TO ANYONE. SHE TOLD ME SHE CAN MODIFY THE DATE BUT SHE NEEDED MY PERMISSION AND STARTED READING A DISCLOSURE STATEMENT FOR WHICH I DECLINED BEING THE BANK WAS OBLIGATED TO MODIFY THE DATE TO THE XXXX BEING I LOGGED INTO MY ONLINE ACCOUNT BEFORE XXXX ON XXXX. SHE REFUSED TO GET HER MANAGER WHEN I ASKED FOR ONE. SHE FINALLY TRANSFERED CALL TO A TECH SUPPORT PERSON WHO WAS OUT OF THE USA AND I WOULD NOT TALK TO HER. SHE THEN TRANSFERED ME BACK TO XXXX ONLINE TECH SUPPORT DEPT IN THE USA. THIS REP. FOUND THE TIME THAT I LOGGED INTO MY ACCOUNT AT XXXX OF WHICH NOT CORRECT BEING I LOGGED INTO MY ACCOUNT WAY BEFORE THAT AND THEN CALLED CAPITAL ONE AT XXXX. THE TECH SUPPORT REP. WANTED ME TO SEND A PRINT OUT OF THE SNAP SHOT FROM MY CELL PHONE OF WHICH SHOWED THAT I ATTEMPTED TO MAKE MY PAYMENTS BEFORE XXXX TODAY AND THE PAYMENT POST DATE OF XXXX. I INFORMED HER I WAS GOING TO FILE A COMPLAINT WITH THIS AGENCY AND THEN I WAS GOING TO TAKE LEGAL ACTION AGAINST CAPITAL ONE FOR MODIFYING THE PAYMENT DATE. SHE THEN INFORMED ME THAT SHE HAD TO NOTIFY ANOTHER DEPT THAT I WAS GOING TO TAKE LEGAL ACTION AND THAT I MUST TALK TO THEM OF WHICH I DID NOT HAVE TO BEING I AM NOT OBLIGATED TO DO SO. SHE THEN TRANSFERED TO XXXX SENIOR ACCOUNT SUPERVISOR WHO INFORMED THAT I ASKED TO SPEAK WITH HIM BUT THAT WAS NOT TRUE. HE INFORMED ME THAT HE TOOK A SNAP SHOT OF THE SYSTEM SHOWING THE TIME I MADE PAYMENT AND WOULD GIVE IT TO THE PROPER DEPT TO FURTHER LOOK INTO THIS MATTER. HE ALSO INFORMED ME THAT HIS UNTI MANAGER XXXX WAS WELL AWARE OF THIS PROBLEM.
Product: Credit card

i received an alert from XXXX that someone is trying to open a wellsfargo credit card XXXX
Product: Debt collection

Repeated calls by the company after blocking them and reporting them. I have written notification saying that it has been 7 years and the debt is null and void. 

PortfolioRecov Called on these dates and times from different numbers after numbers have been blocked and company has been reported : XX/XX/scrub>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: Mortgage

I was scammed as part of a bigger scam to sign for a 30 year Discovery Home Loan with monthly payments of {$720.00}. The scammers told me I won a class action settlement of $ XXXX. After paying for several fees : XXXX, intermediary bank fees, fincen fees, armored car fees, excise tax, all totaling, by the scammers about $ XXXX. After paying the numerous fees, they told me that I qualify for a debt relief program. They got into all of my credit cards and increased limits, took out a XXXX XXXX XXXX and the Discover Home Loan. Signing for that loan would qualify me for the total debt forgiveness program and that after the closing, the debt forgiveness money will be deposited into my truist account. It never happened. I never got the debt relief funds, never got the settlement funds, never got the credit cards paid off. All I got is XXXX plus credit score, credit card debt and loan debt. All of my savings are gone and then the company closed its doors in XXXX of XXXX. 

I have filed a FTC Report, a Police Report, a Federal Reserve Consumer Report, and a XXXX report. The Discover XXXX XXXX funds were deposited into my XXXX XXXX account on or about XXXX of XXXX and then the funds were immediately sucked out. 

Note : While I signed for the loan, Discover Home Loan received and processed all paperwork without my knowing and allowed the loan to go through. Discover Loan accepted qualifying documents that I did not submit. I don't have money to pay for the loan and its not fair for me to be stuck with this loan for the next XXXX  years. Please help. 

Note : Some of the prior boxes did not fit my loan description or problem. 

I DID SIGN FOR THE LOAN NOT KNOWING IT WAS A SCAM AT THAT TIME, BUT DISCOVER HOME LOAN SHOULD HAVE CHECKED TO SEE THAT MY IDENTITY WAS STOLEN. I PERSONALLY DID NOT SUBMIT PAPERWORK. DISCOVER SHOULD HAVE KNOWN, THE SCAMMERS USED THE WRONG EMAIL ADDRESS, XXXX XXXX XXXX instead of XXXX. And, I Never spoke to anyone at discover. XXXX should have someone known the loan was a fraudulent loan. If Discover had denied the loan, I would not have been scammed by XXXX XXXX XXXX XXXX.
Product: Debt collection

On Thursday, XX/XX/2020 sometime between XXXX-XXXX the debt company Account Recovery Specialist, INC contacted someone that I know looking for me and about my debt. They have my phone number but decide to call this person. I don't even know how they got their name and number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. XXXX XXXX XXXX XXXX.
Product: Credit card

Hi Team, I took Chase Credit card loan for XXXX $ on XX/XX/XXXX and they given promotional offer as 0 % APR till XX/XX/XXXX and they charge balance transfer fee {$750.00} on XXXX the next payment statement cycle ( XX/XX/XXXX XXXX ) they mentioned on the statement it's promotional offer. I have autopay to clear dues which accidentally scheduled whole balance as {$15000.00} even though the payment went through for XXXX attempts. I corrected the issue by scheduling manual minimum payments on the next day to avoid minimum payment charges. But the Chase Credit Company considered it as payment and they converted whole loan amount to purchase and added 25.99 % interest which XXXX. To avoid more damage on the interest i cleared almost 70 % of loan by borrowing from outside lenders