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

On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Equifax via certified mail with tracking number XXXX. 

I received a letter back from Equifax on XX/XX/2022 stating their investigation validated these alleged debts. 

Pursuant to 15 USC 1692g- the validation of an alleged debt can only be validated by the ORIGINAL CREDITOR. I have never validated ANY of these alleged debts that are on my consumer report. Equifax failed to come forth with these facts. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Equifax written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Equifax ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The error is being reported via XXXX. I was not given an option of verification. The information is not accurate. I need the amounts and dates of the balance verifying this erroraneous info It seems this is an error.
Product: Debt collection

I received credit alert from XXXX XXXX, that my score dropped XXXX points. this firm submitted a fraudulent account tied to my name, but to an address in Michigan. I've never lived in Michigan, have never heard anything in regards to this account, nor have i ever spoken or been contacted by these people. upon speaking to XXXX, they stated is was an XXXX XXXX XXXX account. I've never even had an XXXX XXXX XXXX account. 

The reporting party is Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA Upon further review, it appears this is a common practice from this scam of a company that is affecting thousands of consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach that resulted in identity theft, and the information listed below does not belong to me. Under 15 USC 1681c- 2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be blocked and removed from my credit file. 
Fraudulent 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I filing this complaint regarding various inaccuracies on my credit report. At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies and discovered several inaccuracies concerning multiply accounts. These inaccuracies included, incorrect reporting dates, two year payment history, different open dates, account statuses and incorrect dates that they were last verified. I even have some accounts that are stating that they are closed and the other credit reporting agency is stating that is open. I don't know how that would be possible. These inaccuracies demonstrate a failure to meet the standards of the Fair Credit Reporting Act. Under 15 U.S.C 1681 e ( b ) it states that consumer reporting agencies are REQUIRED to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. I have attached my latest letters to the Equifax so that maybe you can help me understand whats going on. In these letters I have screen shot the inaccuracies across the board. I would also like to know how XXXX is verifying this information. What procedures are they using to verify this information. When they are calling the credit company that has placed this on my credit, what procedures are they following. Whom are they speaking with? I think I have a right to know.
Product: Debt collection

I was making regular payments to XXXX XXXX XXXX for a debt collection on a Capital One Credit Card. XXXX lost the account and Capital One hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to XXXX XXXX XXXX for the Capital One account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied Capital One. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX Capital One sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to XXXX XXXX XXXX. On XX/XX/XXXX, Capital One sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, Capital One acknowledged that XXXX had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that XXXX had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM XXXX. Capital One then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that Capital One or XXXX provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) Capital One recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween Capital One and me. Capital One followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that Capital One gave to XXXX via my XXXX and XX/XX/XXXX payments. All I know is that XXXX needs to forward the two payments to Capital One or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.
Product: Credit reporting or other personal consumer reports

Goldman Sachs Bank, USA has refused to comply with my opt out notice sent over one month ago per my attachment. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the Metro 2 data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized Metro 2 format. 
CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT! 
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: Checking or savings account

My ex along with a wells fargo rep opened a joint account and cashed my unemployment checks totaling XXXX XXXX dlrs I was in XXXX being held against my will and it took me about 3 months to escape when I got back came to find out what she had done so I filed for divorce it was not contested she didn't even go I filed all the paperwork required by the unemployment department and send copies to wells Fargo they never responded still today when I call they say there's nothing in the system but there has to be because unemployment has the cashed checks and also there another issue with a car I had for my ex her name was on there for the purpose of insurance and because she drove that car but I was the only one in charge of the finances including this car I had just gotten her her immigration papers so she didn't work at that time well they sent a check but I can't cash it there holding on to it i did get her to endorse the check and deposited via ATM well they eant me yo take her to the bank putting me in a bad position she is remarried and like I said we don't talk so I figured worst case scenario give me my half though she does not deserve it so if you can help I would really appreciate it all of this has gotten upset all over again and wells fargo determination to have me deal with my ex is unacceptable it's gotten me really upset having to relive those moments
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.0XXXX XXXX XXXX   XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 an account without my written instructions. 

They also have neglected to list the creditors on my Equifax report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance regarding my access to the ChexSystems platform. I have received my username and temporary password ; however, I have not yet received the required PIN necessary to complete the login process. 
I have followed all provided instructions and waited a reasonable period of time, but the PIN has not been delivered via email or postal mail. I respectfully request that the PIN be reissued or that I be provided with an alternative method to obtain or reset it. 
I urgently need access to my account and kindly ask that a prompt resolution be provided. Additionally, I request that my ChexSystems report be frozen as a precautionary measure while this issue is being resolved. 
Please send me a written confirmation by postal mail acknowledging receipt of this request and detailing the actions taken. 
My information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX Social Security Number : XXXX I have included copies of my government-issued ID and Social Security card for verification purposes.
Product: Debt collection

I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXXI was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX . I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX2020 and that representative then informed me that the account was then sold to another collection agency called, Spire Recovery Solutions. That same day, I called Spire Recovery Solutions to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " Spire Recovery Solutions , LLC is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXXXX/XX/XXXX : XXXX XXXX ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports. Spire Recovery Solutions collected funds under false pretenses, never contacted the original creditor that the account was paid in full and more importantly reported to all three credit bureaus that the account has been settled. This is considered fraud!
Product: Checking or savings account

Money market account was supposed to be paying XXXX basis points which was discussed with my commercial banker and have details in writing. Rate fell down to XXXXbps and I was told by XXXX XXXX ( SVP Commercial Banking ) that it was brought back up to XXXXbps per my agreement with the bank. Called the bank earlier this week and was told this still had not been done ( according to XXXX ) as my account was still paying XXXXbps. Left a voicemail for XXXX XXXX and have not heard back.
Product: Debt collection

Visited a furniture store looking for bed railings only. Salesman said can get new bed easily apply for credit. I applied and was approved XXXX/XXXX/XXXX for XXXX. I looked through catalog and every bed was too much and he has no idea when I would receive. I liked one bed but he said it was n't in stock and he would call me when it was. Then I started getting calls about a payment coming off my debit card for XXXX/XXXX/XXXX. I only purchased railings from him and told him to call me when gets bed. Never received a call just letters and calls from finance company saying I need to pay. I called the company who said I need to go sign the contract again to change the date. I explained I never signed a contract ever nor do I have any merchandise. A supervisor said they would contact the furniture store and callback on XXXX/XXXX/XXXX. No call was returned. I called on XXXX/XXXX/XXXX only to be put on hold for 30 minutes no resolution. I hung up.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Cash App regarding unauthorized transactions that have occurred on my account, which I believe violate the Consumer Financial Protection Act ( XXXX ) I noticed several transactions in my Cash App account that I did not authorize. Despite my immediate attempts to dispute these transactions through XXXX XXXX  support channels, I have not received a satisfactory resolution. I was informed that the transactions would be investigated ; however, it has been months since I reported the issue, and I have yet to receive any updates or a resolution The unauthorized transactions have caused significant financial distress, as they have impacted my ability to manage my finances effectively. I have provided all necessary documentation and evidence to support my claim, including transaction details and correspondence with Cash App support.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, COAST 2 COAST LENDERS XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to investigate the accounts in my last dispute dated XX/XX/2019. They have done little to provide any evidence tosupport their “verification.” The burden of proof is not on the consumer. Equifax has not provided a method ofverification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, onseveral occasions, contacted each creditor regarding my disputes and have not received a response or havereceived very little information that does not support the inaccurate reportings. This willful non-compliance isunacceptable and these disputes need to be treated with detailed attention. The “XXXX XXXX” verificationmethod is not adequate. These listings need to be manually reviewed and either updated or removed. BothEquifax and the creditor fail to prove or provide substantial or convincing evidence to support their inadequatereportings. If someone manually reviewed these disputes rather than depend on software to match storeddata, these listings would have been removed or updated properly after my very first dispute