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

Equifax is denying my rights under FCRA to file an online dispute, credit score and report. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.
Product: Checking or savings account

In XXXX of 2021 XXXX froze my account and every since I been trying to get it fixed they don't return any calls all my calls other then the 1 time and they said it's because they don't know why people are depositing money to me, my calls to them go right to a voice mail box and I've gotten no letters from them no response other then on XXXX and then it's we will contact you but they don't my soon to be wife has been supporting us and personally know the people and the money that was being deposited was not stolen and the owners of those accounts know they are depositing to me because I was helping them and providing a service, all winter long I've been broke, I can't pay any bills, I can't buy food, I'm basically homeless I've refused to leave where I'm at to try keep myself alive but I'm pushed to the point I'm planning on XXXX XXXX  if this don't get solved I won't live on the streets of Michigan because of them. 
The attached file is my girlfriends words she knows these people
Product: Credit card or prepaid card

Trailing interest or residual interest on clearly stated on terms and conditions. 
Capital One is taking advantage of me by posting erroneous finance charges to my account. I had a balance on my credit card that I paid in full. 
This was applied to my account on XX/XX/2020. I was then charged two different finance charges on XX/XX/2020, one for a cash advance ( which I have never requested since I had the card ) and another for purchases ( none were made ) totaling up to {$14.00}. 
I understand the concept of trailing interest or residual interest, however, this is not clearly stated in the terms and conditions of the contract that I entered into with Capital One. I could not even find it mentioned at all. 
I called the company and was told by two representatives that the charges will not be removed and I will have to pay it. The problem I have with this is the interest was calculated erroneously. How can I be charged interest on {$0.00} only because their system said I was supposed to pay on a later date than I did? The company retroactively charged me on a balance that no longer existed. I want them to remove fraudulent finance charges off my account. I did not make any purchase and I did not request a cash advance.
Product: Credit card or prepaid card

This account was openly fraudulently and the authorized user was add fraudulently as well.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against LexisNexis for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LexisNexis for multiple violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Despite my repeated attempts to access my consumer report and correct inaccuracies, LexisNexis has failed to comply with its statutory obligations under the FCRA.

1. Denial of Access to Consumer Report Under 15 U.S.C. 1681g ( a ), consumer reporting agencies are required to provide consumers with all information in their files upon request. I have made multiple requests to LexisNexis for a copy of my consumer report, yet they have failed to provide the requested information, thereby violating their obligations under the FCRA.

2. Unauthorized Security Freeze LexisNexis has placed a security freeze on my file without my authorization, preventing me from accessing my own information. This unauthorized action not only restricts my access but also contravenes the FCRA 's provisions regarding consumer rights to access and dispute information in their files. 

XXXX. Inaccurate Information in Consumer Report Upon obtaining my consumer report, I discovered that LexisNexis has included inaccurate information not associated with my legal name, XXXX XXXX XXXX. This misreporting violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Requested Actions In light of these violations, I respectfully request the Consumer Financial Protection Bureau to : Investigate LexisNexis 's Non-Compliance : Conduct a thorough investigation into LexisNexis 's failure to provide access to consumer reports, unauthorized security freezes, and inaccurate reporting.

Enforce Compliance with the FCRA : Mandate that LexisNexis provides me with immediate access to my complete and accurate consumer report, removes any unauthorized security freezes, and deletes all information not associated with my legal name, XXXX XXXX XXXX. 
Impose Statutory Fines : Pursue all fines and penalties authorized by law for LexisNexis 's willful non-compliance with the FCRA. 
LexisNexis 's actions have caused significant inconvenience and potential harm to my creditworthiness and personal reputation. I urge the Consumer Financial Protection Bureau to take swift and decisive action to rectify these violations and prevent future occurrences. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation required to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Phone : XXXX
Product: Debt collection

" XXXX XXXX " Credit Card applied for on XXXX XXXX, XXXX. I never called to activate it. 
I live outside of town and receive mail at the Post Office. I have no PO Box out in front of my house. This was discussed at length with the XXXX XXXX  employee-NO MAIL IS DELIVERED TO OUR HOUSE!!. I recived no bill from XXXX XXXX and decided to call and report it on XX/XX/XXXX. I gave my checking account number to the woman with instructions to withdraw the {$54.00} that was due. On XX/XX/XXXX XXXX XXXX wrote me a letter that the {$54.00} " was returned '' by my bank and that a fee had been charged! I now have a letter from my bank stating that no such transaction had happened. So, I called a second time and a different person answered and took the payment. Shortly after that, I received a bill from XXXX for {$32.00} - due on XX/XX/XXXX. I called to complain and was told that my bank had charged that. In the letter from my bank, it is stated that no such fee has ever been charged to my account!!! I'm still receiving phone calls and written bills from Comenity Bank of XXXX XXXX - I'm not sure which it is. The latest billing is for {$100.00}. The same day That I applied for this Credit card, I applied for one at a department store and had a similar problem which was quickly taken care of during the phone conversation with an employee. All is well with that one.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! 

ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX/XXXX  not mine - fraud Exceptional payment history Account Info Account number XXXX Account number XXXX XXXX XXXX Account status not mine fraud Date opened XX/XX/XXXX INQURIES ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Finance other than personal Inquiry date : XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX NOT MINE SAID THIS IS FROM 19 YEARS AGO, SAID IT WAS REMOVED BUT I STILL SEE IT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XXXX following the XXXX hack and I was successful with XXXX  but not with either Experian or XXXX. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with Experian and XXXX  but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited  mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.
Product: Debt collection

I ordered internet service from XXXX XXXX in XXXX and I never had received the equipment to get the internet. Then a year later I find out I have a bill. Att even admitted that I never activated the equipment or used the internet. How can I be responsible for something I never received or used? The amount is for XXXX and its through IC Systems
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX XXXX CFPB Report No. XXXX First Federal Credit Control CFPB Report XXXX. XXXX Inadvertently the 2nd above was the incorrect collection company.

Have correct contact information now.
Product: Credit reporting

Equifax is taking too long to conduct my investigation. I asked them to investigate incorrect information on my credit report in XX/XX/XXXX, and they have not responded to me yet.
Product: Student loan

I called Ed Financial on XX/XX/XXXX to request a refund of payments I completed during the Pandemic. I paid {$13000.00} in XXXX XXXX and wanted a refund of this payment. Between XX/XX/XXXX and XX/XX/XXXX, I was told that check was issued already. In XXXX, XXXX there was an inquiry sent to Treasury concerning the check 's status. In XX/XX/XXXX, the check was canceled. A check was reissued in XX/XX/XXXX, however, but Ed Financial doesn't see any movement on that check. When I call Dept of Treasury, I'm told they do not see any payments being issue to me. I would like to apply for Student Loan Forgiveness since I am a XXXX XXXX worker, but I can not because I don't have a current Student loan balance. When I asked to speak with a supervisor at Ed Financial, I'm told there is no phone que to put me into for a supervisor and that a supervisor would not be able to tell me more than I've been told.
Product: Debt collection

Stellar Recovery Inc. has placed a collection report for {$100.00} on my XXXX report as of XXXX/XXXX/2016 with no communications via mail or phone. If they claim to have notified by mail, I have not received them.
Product: Mortgage

I had trouble getting employment and ran behind in paying my mortgage. 
I contacted my mortgage company Wells Fargo to try to qualify for a modification. 
Their response has been slow, incompetent and after many hours they still are asking me for additional information I have provided many, many times to them.
Product: Credit reporting

Equifax since opening the case with you has reinserted negative inquiries effecting my credit score. More than XXXX it makes it even more difficult to make any sort of effort in maintains health credit to take care of me and my family. XXXX Even though the child support case for XXXX is no longer valid and was only taking XXXX dollars a month because it was know to be fraudulent Equifax still reports it and causes me to be XXXX percent debt to credit. I have submitted police reports IRS affidavits ftc reports to let them know to remove it for months and and they ignore me. Credit affects people 's lives more than anything and they should be hold accountable under those federal laws.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX, Loan # XXXX, account # XXXX amount {$16000.00}, past due {$3100.00} current balance {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, account # XXXX, date open XX/XX/XXXX, amount due {$490.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX, Account # XXXX, date open XX/XX/XXXX, amount due {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX , ( XXXX ) XXXX, XXXX, Amount due {$80.00}, date open XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account in the amount of {$7800.00} with XXXX XXXX XXXX. This is not my account. I have disputed this item several times with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX called and told them I did not authorize or give them consent too report this on my credit report 15 u.s.c. 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.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 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

I had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer report..
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect credit information in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. I am submitting this time to notify you of incorrect entries on my credit report, which I am disputing. These items do not pertain to any transactions involving goods, services, or money that I have made or authorized. I request the removal of these inaccuracies from my credit file. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}. The disputed items are unfamiliar to me, and similar information has been deleted by other credit bureaus, leading me to question their accuracy. The reported payment history for these items is also confusing, as outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX an Experian continue to accept and report false information from XXXX damaging my FICA, credit score. Account  was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App

( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redre
ss for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.
Product: Credit reporting or other personal consumer reports

Capitol one has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX XXXX XXXXXXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it 150 days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX capital one type : credit card I was redirected to XXXX XXXXXXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
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 federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX 15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) 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.