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

I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA.

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-reporting information with actual knowledge of errors -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. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXX Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures 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.
Product: Debt collection

Was unsuccessful trying to contact XXXX XXXX XXXX And aargon agency didn't want to explain why my name is with them
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX CIC Mortgage Credit did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - Under 15 USC 1692g. Validation of debts- Please delete this account for failing to do your due diligence making sure everything is 100 % accurate on my report XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX XXXX  - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 
XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. 
XXXX XXXX - XXXX - Under 15 USC 1692g. Validation of debt - I request validation under 15 U.S.

Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately. 
XXXX XXXX XXXX  - XX/XX/year> - This inquiry was misrepresented and should be deleted from my report. - Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.
Product: Bank account or service

I have reported fraudulent activity and a case of stolen identity to these financial institutes.
Product: Debt collection

XX/XX/XXXX I opened a phone number account with XXXX, my phone was already owned by me so no contract. I was told I would save {$10.00} a month sign up auto pay. I did this and they wouldn't give me the discount. My first bill XXXX XX/XX/XXXX came was charge of {$240.00} for fees and first month cycle. My XXXX XXXX  card paid XX/XX/XXXX {$240.00}. 
XXXX {$88.00}. Paid XXXX XXXX XX/XX/XXXX {$88.00} By now I was told I wouldn't get the discount on auto pay after XX/XX/XXXX so XX/XX/XXXX I cut off the XXXX and went with XXXX  and on XX/XX/XXXX I paid XXXX {$55.00} because it's cheaper than XXXX and no contract XXXX could do so. The XXXX bill stated I Owe XXXX XXXX with XXXX {$0.00}. But I paid my final Bill with XXXX {$88.00} on XX/XX/XXXX because the next bill cycle states XXXX balance due or owed. So it stated from XXXX XXXX balance Now I think this is all clear up good to go nothing owed. I get a surprise in the mail XXXX billing me one time charge {$150.00} I have paid for any equipment in the beginning with a receipt for phone charger and case {$100.00} plus first statement was {$240.00}. Which {$88.00} was for first month and so all equipment was paid for in full. So where is the {$150.00} come from and no one could tell me at XXXX. Then statement XXXX read now {$300.00} a balance past due {$150.00} and one time charge again {$150.00}. What in the world???? No one at XXXX could explain this to me or show me a conversation or contract of this one time fee twice to amount to {$300.00}. So I don't owe it I have the invoice and statement from my bank and XXXX and have ask the Credit Bureau to verify and send me proof of where this fee came about and to this day XX/XX/XXXX. No one had produced it to me. So I digress
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$210.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$150.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. 

I filed a credit dispute on these items with Equifax, XXXX, and XXXX, the company XXXX XXXX is 100 % unresponsive to the credit bureaus and myself, I have sent settlement offers for the accounts and received no response, I then filed disputes with all XXXX credit bureaus and XXXX XXXX never responded to XXXX or XXXX, but Equifax claims to have verified the accounts, then refused to reinvestigate the accounts in XXXX of XXXX. I again sent correspondence to XXXX XXXX as of XX/XX/XXXX about the accounts and again no response, here is the letter sent to XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX To whom it may concern My name is XXXX XXXX my date of birth is XX/XX/XXXX and my social security number Your company said I allegedly owe you money for these accounts, XXXX # ( XXXX ) {$150.00}, ( XXXX ) {$210.00}, ( XXXX ) {$410.00}, ( XXXX ) {$410.00}. 
I will pay under one condition if can provide : 1. Validation of the debt, that is, the actual accounting. 
2. Verification of a signed Invoice. 
3. A copy of the contract binding both parties ( you and them ) in a letter by certified mail so that there is an independent witness to it having been delivered. 
There is no way that Equifax verified any information with this company when they will not respond to XXXX or XXXX or certified letter mail from myself, these accounts should be deleted.
Product: Checking or savings account

XX/XX/XXXX I went to the bank to pay off my balance and close my checking and savings accounts. I paid the overdrawn balance. The bank said my accounts were closed. Did not mention turning in my debit card, I destroyed it myself. 

XX/XX/XXXX I placed a door dash order. It had been over a year since I used this service and the card on file was an expired card from the bank I had closed the account. Not a subscription purchase. Transaction went through. I was not expecting it to go through and thought the purchase would be denied so I could enter my new payment method. 

XX/XX/XXXX I received an email from the bank saying my account was overdrawn. I called the bank and they explained that when I paid off the balance on XX/XX/XXXX they did not include the {$35.00} overdraft fee. This fee reopened my account. The one time purchase on the debit card also went through, over drawing the account. In addition to a subscription audible purchase. When I closed the account on XX/XX/XXXX there was no discussion or warning about subscription purchases reopening the account. I paid off the balance. 

XX/XX/XXXX I received a new statement balance. {$9.00} service fee reopened my checking account and now its overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian. On XX/XX/2020 Experian processed a dispute request that I sent certified mail. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2020. 

Source : Experian Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020, Experian reported that the disputed account had been updated. I reviewed the account and no information had been changed. The account is still reporting a fake open date that in fact has re-aged the account. The open date is reporting a dated more recent to reflect that the account is newer than it really is. They are reporting that the original balance on this account was {$1100.00} which is inaccurate. The account is reflecting that this is a term account for one month which inaccurate. I requested proof of this and was not provided any validation into all of these inaccuracies and false information reporting on my credit report. I also filed a dispute directly with XXXX XXXX XXXX. The letter was sent certified mail, return receipt. I have received confirmation that XXXX XXXX XXXX is in receipt of my validation letter. As of today, I have not received a response from XXXX XXXX XXXX. Experian is aware of all of the inaccuracies and they continue to report this account on my credit file. 

On XX/XX/2020 I re-disputed this account and specifically as Experian to VALIDATE the debt. They refused to validate the debt. Experian sent back a notification on XX/XX/2020 stating that that account was updated. The account is still reporting all of the inaccurate information that it had been previously reporting. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2020. 
Source : Experian Date Submitted : XX/XX/2020 Estimated Resolution Date : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX On XX/XX/2020 I received this updated message from Experian. 
What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 
Source : Experian Date Submitted : XX/XX/2020 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Experian is still reporting inaccurate information on my credit file. They are refusing to validate this date. They are also refusing to provide me with who/where they requested this information from. What process they used to validate or obtain this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, EXPERIAN is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting EXPERIAN to provide the documentation and prove that the information is indeed accurate. EXPERIAN has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, GAAP accounting report, I am not asking for an e-Oscar report. If EXPERIAN does not have documentation to shows that the companies involve follow the SEC rules and credited my accounts, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. EXPERIAN is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX XXXX XXXX- has refused to credit my account with the dividends from the security they hold. 
XXXX XXXX - Was discharge with a negotiable instrument XXXX XXXX - has been discharge with an negotiable instrument Diversified XXXX XXXX  - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX  XXXX - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXXXXXX XXXX  - creditor failed to credit my account for the dividends they recieved from the security I gave them, 12 CFR 1026.11.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was " turned down '' a new cell phone offered by " XXXX '' because of false/incorrect information on my " Experian '' credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputed these fraud collection accounts on my report since XX/XX/2020. I understand COVID is a thing but after 9 months of continuous dispute letters and the items are not even in investigation is a little too far fetched. I've provided adequate documentations to prove that the accounts are not mine and yet the bureaus have not even been able to open my letters it seems since the accounts are still showing. This seems to be my last resort before I shell out money for lawyers instead of letters and preferably the bureaus will be more inclined to listen then. I'm attaching ID proofs to this complaint because I'm hearing the bureaus are closing these complaints fraudulently by stating that " they can't prove my identity ''.
Product: Debt collection

I sent a letter on XX/XX/2023 via USPS Certified Mail that was received on XX/XX/2023, XXXX XXXX  with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 

This letter was sent to : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX. 
XXXX, VA XXXX This letter states as follows : " To whom this may concern, I am writing to you to request that you verify a debt as required by the Fair Debt Collection Practice Act. You have contacted me concerning a debt with PORTFOLIO RECOVERY ASSOCIATES , LLC, I also want to point out that the name on this dept is not my legal name. Therefore, I am also disputing this since the name on this Dept or Collection is not in my legal name. I am not legally reasonable for this Dept. 

Aside from verification of the debt, I request that you stop communications to me about the debt. The Fair Debt Collection Practice Act, 15 USCA Section 1692c requires that you honor this request.

Apart from sending me verification, please do not send or make any other communication to me regarding this debt. Your cooperation will be appreciated.

I also want to point out that I am also on XXXX. Thus, I am protected by Section 207 of the Social Security Act which provides : " The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the money paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' Sincerely, XXXX XXXX '' However, on XX/XX/2023 I received a phone call from XXXX that would not reveal who they were from at first. When I told them that if they were from a collection agency that I had sent a letter to they would be in violation of federal law, they then hung up the phone. I then called the XXXX number back and it connected to PORTFOLIO RECOVERY ASSOCIATES , LLC proving it was that company that had called me, thus violating the Fair Debt Collection Practice Act, 15 USCA Section 1692c.
Product: Credit reporting or other personal consumer reports

My credit report shows hard inquiries that I didn't initiate.
Product: Consumer Loan

A few years ago i had a repossesion and left me a balance reporting negatively on my credit on XX/XX/2016 I settled this account for a lesser amount and have a settlement letter from the attorneys office proving this. Gm Financial refuses to update my credit report showing account settled as they agreed when the settlement was offered to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Equifax for Misuse of Credit Report Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding the repeated misuse of my credit report. This is the second time that Equifax has closed my positive XXXX XXXX  credit card account without proper justification, adversely affecting my credit score and financial stability. 

Details of the incidents are as follows : 1. **First Incident** : XX/XX/year> XXXX. **Second Incident** : XXXX, XXXX 2024 I believe that these actions are unjust and detrimental to my credit history. I have made timely payments and maintained a responsible credit usage pattern. I request that the CFPB investigate this matter and take appropriate action to prevent further misuse of my credit information by Equifax. 

Please let me know if you require any further information to assist in this investigation. 

Thank you for your attention to this matter. 

Sincerely, CFPB EQUIFAX CONTINUES TO MESS WITH MY CREDIT REPORT CLEARLY THIS IS A VIOLATION OF THE FCRA PLEASE HOLD THEM ACCOUNTABLE FOR THIS ACTION. ALSO BY EQUIFAX DOING THIS IT EFFECTS MY XXXX SCORE AS WELL
Product: Money transfers

I have been using paypal for my business for 7 years. paypal with out notice or warning closed my account and his holding thousands of dollars that they will not release until 180 days. paypal gave me over XXXX different reasons why they closed my account which include reasons that did not violate their terms and conditions. paypal says they are parting ways however they are still holding private information like an ssn. paypal has caused me severe financial loss and crippled my business. they mishandled disputes in which a buyer claimed they received an empty box instead of an XXXX. paypal refunded the buyer even though i had a letter from a fedex supervisor stating they were there when the buyer opened the package in front of them and indeed there was a XXXX inside. I also provided paypal with an fbi report however they allowed the customer to keep the phone and the money. paypal has caused me enormous losses and this can not be ignored.