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

This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XXXX on XX/XX/2020 and setup the financing through Hyundai Finance. When I received my First statement from Hyundai Finance, I setup my XXXX XXXX  Auto bill pay to pay this bill on theXXXX. of each month ( payment Due on the XXXX ). The first payment ( XXXX ) was posted and the following month XXXX statement reflected the payment made. The next ( XXXX ) payment was sent on XX/XX/XXXX. The XXXX statement showed no payment made for XXXX, so I checked my checking account. XXXX XXXX  took the {$600.00} from my checking and sent the funds to Hyundai on the first of XXXX. I checked with my Bank and they verified that the fund were sent and received but not cashed. I asked my bank to cancel that check and reissue another check, they did, but it did not post. I called Hyundai and told them about the problem on their end and requested them to waved the {$30.00} late fee. Hyundai Finance said they would get back to me about the payment. The same thing happened in XXXX. On XX/XX/XXXX I checked if my check cleared and it did not. I contacted Hyundai Finance and paid the payments for XXXX, XXXX and XXXX on XX/XX/XXXX over the phone and setup with Hyundai Finance to debit my checking each month. Note the XXXX payment was made before the due date. I wrote two dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX. Hyundai reported to XXXX XXXX that I was three months late in XXXX and after my XXXX dispute letter HF revised the credit reporting to just one late payment in XXXX. Which prompted the next dispute letter on XX/XX/XXXX. I submitted the HF loan agreement that stated my first payment was due on XX/XX/XXXX. I have contacted HF and they refuse to remove the one late payment. The XXXX Branch manager informed me that their investigation in to this was that Hyundai Finance had changed their mailing address after the first payment was made and never notified us of the address change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy is reporting on my Experian And XXXX credit report inaccurate, Both XXXX and Experian refuse to show me method of verification I mailed letter twice to both credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is XXXX and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or XXXX have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file.

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by XXXX to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
Product: Money transfer, virtual currency, or money service

They didnt take my deposit when they where supossed to wotch caused me to have a deficit witch now they wont let me sell my possitions without XXXX  them a significant penalty to were any withdrawal or if I sell accests they get my money the company is robinhood
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX   in 2013. I  lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX received a call from JP Morgan Chase! They said someone was trying to do a wire transfer on my account! They told me I needed to be on the phone while they tried to stop it! They somehow got into both my checking accounts and did a wire transfer for XXXX! Also received text messages that said chase! Also charged me a XXXX dollar wire transfer! I have proof on my phone that all texts and calls said JP Morgan chase! I have never done a wire transfer nor would I know how to do it!
Product: Credit reporting or other personal consumer reports

On XXXX  there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/2023. i am requesting the Method of Verification For the following dispute ( XXXX # XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that XXXX XXXX, XXXX and Equifax send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA
Product: Debt collection

Midland Funding is attempting to collect a debt that originated from XXXX who verified that I was part of the FCC settlement that XXXX agreed to settle allegations of billing customers XXXX of dollars in unauthorized XXXX-party subscriptions and premium text message services.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw unauthorized inquires on my report onXX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one has cited technical issues, which may violate the Electronic Transfer funds act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thankyou
Product: Checking or savings account

I received documents stating that bank of america closed my two checking accounts and two savings accounts on roughly XX/XX/23 due to some undisclosed fraud. I was told I should receive the funds within 4 business days. However, my paycheck was direct deposited on XX/XX/23 so it seems that my account is still active. I am awaiting information on how to receive the remainder of my funds, close to {$3000.00}, but I keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting act. The List of inquries above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account opened in my name XXXX  {$2000.00} balance
Product: Credit reporting

In XXXX, I checked my credit report as I often do on XXXX XXXX app. Transunion had removed all of my inquiries and I was very happy to see this. What I was not so happy about was the reinsertion of those inquiries days later after I checked it again. There was no notice on Transunion 's behalf. I have since then, tried to call a handful of times to get these inquiries re-deleted since they were reinserted without my knowledge. I have encountered some of the rudest people, one of whom actually told me you were not affected and there is nothing more I can do. When I asked to speak to his supervisor, he disconnected the call. I am very disheartened by the actions of the employees of Transunion in the multiple times I have reached out to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : DEPTEDXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account 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: Student loan

I was notified that my XXXX student loans were transferred to Aidvantage ( this action was taken without any request or consultation with me by my student loan servicer ). I am one of the borrowers who continued to pay my loan throughout the pandemic, and made sizeable payments to reduce my student loans : between XX/XX/XXXX and XX/XX/XXXX I paid {$4900.00} towards what were XXXX  student loans, now managed by Aidvantage. XX/XX/XXXX, I waited 1 hour and 39 minutes to speak with an Aidvantage representative by phone to request a refund of all student loans paid on my Aidvantage held loans, because Aidvantage hadnt called me back when I called the day before and left my phone number for a call back when prompted by their phone system. The representative told me he would need a supervisor to approve my refund request because it was over {$1000.00}, but that it was all taken care of ; he said it could take 4-6 weeks to receive my refund. While waiting for my call back from Aidvantage, I submitted this same request in writing to Aidvantage ( I didnt want to be jerked around ). XX/XX/XXXX, I received an email from Aidvantage that stated : I hadnt made any payments, so no refund could be processed. I logged in to my account and my payment history had been scrubbed or cleared : it showed no payments made my me ( even the XX/XX/XXXX payment was missing ). I called Aidvantage and a rep said there were no payments, and so no refund. I asked for a supervisor. She then said she found payments, and asked if an amount in the {$2000.00} range was correct. I said it was not. She said she would submit a request for my payments to be found I again asked for a supervisor. I told her I had deep concern about the management of my account based on the ongoing interactions with Aidvantage. Again, I waited more than 1 hour and 38 minutes and counting. I worked to pay off my loans through sickness, hunger, while I had a Borrower Defense to Repayment claim pending ( still not resolved ) for SIX years, and during a pandemic : I need a company that will not lose track of ANY payments I make, let alone close to {$3000.00} USD, because I dont have that kind of money to lose.
Product: Debt collection

I had my identity stolen, and I am not responsible for none of the credit cards are hard inquiries on my credit. I demand them to remove it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. Transunion and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, Transunion and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.
Product: Credit reporting

I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information.
Product: Credit card or prepaid card

I read an advertisement for the Chase Ink Business Preferred credit card. 
The introductory bonus is XXXX bonus points after you spend {$5.00} in purchases during the first 3 months of card ownership, and 3X points on the first {$15000.00} spent on the card. 

Chase services turned me down because they said I opened other credit card accounts this year. 

I only opened one business account that one offered XXXX points, but I offered to close that account because the Chase Ink Preferred is important to me and my business. 

All of my credit cards are in excellent standing and I maintain high bank balances in Chase and other banks. 

They advertised this card and I want to take advantage of the benefits. I'm willingto close other credit cards if necessary.
Product: Bank account or service

My card was charged of XXXX to XXXX XXXX and I do n't have an account with them my card number XXXX XXXX
Product: Debt collection

Company is not working with me. They are not responding back. I need this account resolved and removed from my credit.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : Bankruptcy XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 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 card or prepaid card

I purchased an electric bike from XXXX 's Bikes, using my XXXX XXXX Credit Card. Immediately upon arrival after charging up the battery, the electric bike would not work or function. It would turn off by itself. I notified the owner of XXXX 's Bikes, and he sent me out a replacement for the user 's screen or control panel, thinking that that was the problem. I immediately started looking for a repair shop to replace the part. After an exhausting search, I was unable to find anyone that was willing to work on the electric bike. I then took it upon myself to find an online site to attempt to change out the battery and controller, which could have been the problem. I paid for the parts myself, had them shipped to me, and attempted to try replacing the battery. I thought that I had got it to work for at first, but I was very disappointed to see that the electric bike still would not work or function. The owner of the bike store began being very rude and disrespectful to me over the phone. I then decided to dispute the purchase. My credit card company didn't provide me any information throughout the dispute, nor after I was told that I would receive a letter of the results. XXXX XXXX Credit Card XXXX now decided in XXXX 's Bikes ' favor, and I have to dispute it again. How is it that a company can expect you to pay for something hasn't ever worked nor functioned as it was suppose to? In addition to that, XXXX 's Bikes inflated the charges for the electric bike being disputed. I have included both the original receipt of purchase, along with the receipt for the parts that I paid for. Please, advise and assist me on this matter, if possible.