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

Equifax has been taking me through the ringer with allowing creditors that I want to access my account since XX/XX/2022, but consistently allowing unwanted creditors to add fraudulent things to my account without my consent. I've asked both my personal and business account to see if I'd qualify for a loan and both of them have emailed me with details regarding their inability to access my credit. 

On XX/XX/2022, I called Equifax to remove everything since they keep lying to me saying that no creditor should have any issues accessing my credit. As of XX/XX/2022, my banks are still having issues accessing my credit report. 

Fraud File # XXXX - Requested Freeze Removal Removed Fraud Alert Com # XXXX Removed Fraud Indicator Com # XXXX See attachments from my banks and previous collections accounts they've added to my file without my consent and I've taken the steps to get it removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 will be my third time which the first time was in XXXX and the second time was in. XXXX. The third time is in XXXX  and I am requesting to take an account off my report for incorrect information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. Date of last payment made was ruled as XX/XX/XXXX which is also incorrrect per the creditor. FCRA states that if any information is reported inaccurate they have to take it off. ' account # XXXX****
Product: Mortgage

Please file the following documents on the CFPB case ( s ) XXXX and prior WFHM and XXXX case ( s ) as well as XXXX XXXX XXXX XXXX  case ( s ) XXXX and prior XXXX XXXX XXXX XXXX case ( s ) filed with the CFPB and other case ( s ) within the Federal Government in regards to XXXX discrimination complaints concerning housing. 

The attached {$50.00} returned check from XXXX XXXX XXXX XXXX, VA relates to pro-rated taxes XXXX XXXX XXXX paid on property address XXXX XXXX XXXX XXXX, VA XXXX in which she was forced out of in XX/XX/XXXX. This amount does not account for the premiums XXXX XXXX XXXX paid directly to WFHM that were utilized and accepted by the third party XXXX XXXX XXXX XXXX, VA in XXXX and thereafter. 

Also, please be advised that XXXX XXXX XXXX XXXX is preparing revised/false tax statements and the evidence is attached for XXXX personal property taxes. All payments can be verified through XXXX. This matter remains a XXXX discrimination case against WFHM, XXXX Bank, and XXXX XXXX XXXX XXXX against XXXX XXXX XXXX, an XXXX XXXX woman. 

XXXX XXXX XXXX will continue to allow the payments scheduled for prorated taxes to be paid to the county of XXXX & XXXX to further support her claims against housing discrimination based on race ( XXXX XXXX ) because this property WAS NOT voluntarily surrendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

1

5 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 ac
count without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past 3 months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/year> my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects. I have paid the lesser amount as shown on my account in XX/XX/year>, XX/XX/year> as based off what the app payment amount due reflected and was not penalized for paying less than the {$560.00}. As per XXXX from XXXX call center she advised that the {$560.00} or more must be paid regardless to what the payment amount shows on the statements or app, which is very conflicting to me as a customer. I paid {$540.00} in XXXX {$550.00} in XXXX and {$560.00} in XXXX. Any payment system offered by XXXX should always mirror and reflect what my statements show and reflect {$560.00} is due every month, however XXXX system fluctuates every month something different.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a payment of {$500.00} on my XXXX XXXX XXXX XXXX XXXX car to Regional Acceptance Corporation through their automatic system. I did not get a confirmation of the payment. So I made another payment of {$500.00} on XXXX XXXX, XXXX. Upon noticing the double payment, I called Regional Acceptance Corporation to inform them that I inadvertently made another payment, and I would like a refund. I spoke with a Customer Service Representative who informed me that it was the Eve of a holiday and there wasn't any Managers in the office. She stated that she would put in the request to her Manager for when he come in on Monday. And for me to call back on Monday. I called back on Monday and was informed that the Manager had approved the reimbursement, and that it would take between 7 to 10 days to hit my account. 

On Monday, XX/XX/XXXX, I called again and was told that they see that the Manager had approved the refund, but when I checked my bank account, I did not see that the money had been returned. I called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and was told nothing more than what was told to me the day before " to call back tomorrow ''. In between these calls, I called my bank to check, and they said they didn't see anything pending. And that this in only the 8th day ; give it two more days. I did that. I gave them two more day and still no refund. I called Regional Acceptance again on XX/XX/XXXX, but was told by another Customer Service Representative that he see that the authorization for reimbursement had been completed on XX/XX/XXXX and that there wasn't anything else he could do. 

I was stunned due to his lack of concern. I stated to them that if it had been me, they would not hesitate to come repossess my car and I don't think this is fair.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS BEEN PROVIDED AN FTC REPORT AND IS REQUIRED TO REMOVE ALL ACCOUNTS DEMANDED UNDER 15 USC 1681s-2 AND FAILURE TO DO SO WILL RESULT IN A {$1000.00} FINE FOR WILLFULL VIOLATION UNDER 15 USC 1681k AND 15 USC 1681n.
Product: Money transfer, virtual currency, or money service

I purchased an airline ticket ( USD XXXX ) for my wife and baby in XX/XX/XXXX, but the flights were cancelled multiple times due to COVID. The tickets could be refunded within two years as offered by the airline ( XXXX XXXX ). I requested for a refund in XXXX XXXX but didn't hear from the airline until XX/XX/XXXX. By contacting the airline, I was told that the refund has taken place on XX/XX/XXXX, and I should check with my bank. I contacted my bank ( Chase, JP Morgan ) but they denied having received any money from the merchant and asked me to contact the airline again. I kept calling both the airline and the bank for the next few weeks to resolve this issue. The airline would claim that the transfer has taken place and they can not pay me twice and the bank would ask for proof. The airline provided me the ARN ( acquirer reference number ) through which the transactions had taken place, but the bank refused to accept the ARN stating that they do not know what ARN is or how to trace a transaction with such a reference number and instead asked me to request the airline for the transaction details. The airline was refusing to provide any further details and I had to file a complaint in the 'Department of Transportation '. Thanks to the intervention by the DOT, the airline finally provided the evidence showing the details of the transaction.

I contacted the bank once again on XX/XX/XXXX to share the good news that we now have the proof of the transactions. The representative in the bank 's claims department agreed that she can see the transactions made to my account and I should now fax them the documents to settle this issue and check back with them in 48 hours. I called the bank on XX/XX/XXXX but was asked to call back as the processing will take five more days. I called the bank again on XX/XX/XXXX to check the status of my complaint and to see why the money is not yet transferred to my account and was shocked to hear that this case has been closed now and the bank can not do anything, and I should contact the merchant. The bank representative coldly replied to all my questions 'We can't do anything ; this case is dismissed as it exceeds the 128 days period '. Prior to this, they had been asking me to get further information/proof of transaction and once I did that, now they have refused to release the money by stating that it has exceeded the 128-days limit for claiming a dispute. 

My concern is that this is a simple transaction that has taken place on XX/XX/XXXX, but it is never credited to my account. I have provided all the documents that the bank asked for, but it is still holding my money and has now refused to release it. This has caused us a lot of stress and wastage of time over the last few months, and I would request that you may kindly intervene and ask the bank to release the money along with the compensation for misguiding us, and for the stress that we have been through. I am happy to share any further details if needed. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
XXXX and Equifax are stalling and I know that they are, happen to frequent.
Product: Student loan

Navient will not lower my student loan payment and I just can not afford the amount. They make comments on the loan and it has dropped my credit score. I have not missed a payment, or been over 30 days late, but paying the amount they want each month means almost not being able to eat and can never be payed on the exact date because I have to break it up into different payments.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 agency can not furnish a account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I Zelle payment a tattoo artist {$300.00} to do a job. I was supposed to meet him at the shop on XXXX XXXX. When I contacted the shop to verify my appointment I found out he no longer work for the company, he is not returning my calls or refund me my money to me
Product: Checking or savings account

On XX/XX/XXXX, I momentarily lost my phone during the process of renovating my house, and they were many people at my home at the time ( different contractors, electricians, plumbers etc ). After relocating the phone about an hour later, I checked and noticed that there was some unusual activities noticeably with my XXXX   account, which is linked to my debit card. In essence a person used my debit card information without my prior approval. After I retrieved my phone, I noticed that there was a transaction of XXXX made to an individual listed as " XXXX XXXX. '' I not only was a victim of Identity theft but my debit card information was momentarily stolen and unauthorized transactions was made. 
As soon as I realized the error, the first thing that I did was contact my financial institution. My first grievance with PNC bank was that they failed to stop the payment from going through even though the transaction was still pending. I notified them that my information was comprised and although they replaced my debit card the transaction was allowed to happen. My account was never frozen. When I spoke with a PNC representative about the matter, and why is the transaction was not canceled after I made it known that my card information was stolen, she said with the " third party company 'XXXX ', the item has to post before PNC bank can do anything about it '' ; thus violating my protecting under the Electronic Fund transfer Act.The company 's decision to not intervene and allow the unauthorized purchase to go through left me with an undue burden/hardship due to the large amount of money that was processed. 
My financial institution, PNC bank, opened a report and did an investigation. They are now denying my request because the transaction was made through a third party ( XXXX ). 
I am disputing this matter because under the Electronic Funds Transfer Act, I am afforded protection if I am a victim of identity theft or if my debit card number is stolen and an unauthorized transaction was made, al of which pertains to my situation. I also have reasons to believe that the financial institution did not take into full account the circumstances of the fraudulent transaction or that a thorough investigation was made since I was told during my phone conversation with an associate on XX/XX/XXXX around XXXX that " XXXX disputes are routinely denied. '' This was not simply a routine XXXX transaction as my identity was stolen and an individual used my information without my knowledge or approval and made transactions on my behalf with a stolen debit card information. Furthermore, my dispute determination was dated XX/XX/2019 which was beyond the 45 days in which the financial institution has to mail me a determination as I made them aware of the situation and opened up a dispute on XX/XX/2019. 
I was not afforded the protection that I am guaranteed as a consumer nor was my investigation conducted in the time frame allotted.