23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

About a month ago I mailed a dispute letter to Equifax reporting inaccuracies found on my consumer credit report. I have not received a response and my Equifax report is still showing inaccuracies. This is a violation based on 15 USC 1681 ( i ). As a federally protected consumer and based on the attached reports, Equifax violates the following : 15 USC 1681 - Accuracy - for failing to maintain accuracy of reporting based on the attached documents highlighting inaccuracy of reporting : 1 ) employment history 2 ) credit score 3 ) address history 4 ) number of late payments 5 ) account number 6 ) date reported 7 ) inquiries 8 ) payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 9 ) days late 10 ) late payments. 

The FCRA requires the information furnished on the consumer report to be accurate and complete, to include the account number if it is reported. In addition to the numerous inaccuracies reported, Equifax is only reporting the I.I.N. ( Issuer Identification Number ) or B.I.N. ( bank Identification Number ) of the card/account number, it is impossible to determine if this account is even mine. 

Equifax is also in violation of 15 USC 1681 ( b ) - Permissible Purposes. Equifax has never received permissible purpose to furnish any information on/to my consumer report. Also Equifax violates 15 USC 1681 ( b ) - Permissible Purposes- due do furnishing inquiries on my consumer report that are not open accounts. Unless Equifax can provide documentation verifying that I, the consumer, have an open account with any company listed as an inquiry, the inquiries. 

Equifax also violates the Privates Act of XX/XX/1974 ( 5 USC 552 ( a ) by obtaining all address through a third party agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and it was fount to be inaccurate even with experian and was deleted so stop violated my rights and DELETE THIS ACCOUNT NOW!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Letters were mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter delivered to the credit bureau on XX/XX/2020. To date, these items are still listed on my credit report and I have received no proof of investigation from this credit bureau. It's been over 30 days and the only send me a document saying verified but have never sent proof of investigation and continue to ignore my inquiries.
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX XXXXXXXX XXXX  yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023
Product: Credit reporting or other personal consumer reports

An ex friend and roomate used my information to open things without my permission and I want this take off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft The Information Listed below Which is on my Credit Does not relate to any Transaction That I have made This is the result of Identity theft. Please Block These Accounts From My credit Report Pursuant to the Section 605B of the fair Credit Reporting Act and send The Required Notifications to all furnisher of this information
Product: Debt collection

I received a call from Sequium Asset Solutions on XX/XX/22. They immediately asked me to verify my name and address. I replied saying I am more comfortable with her telling me what they have on file and I will confirm if it is correct. The lady ended the call. 

I called back and told the person who answered what happened and she asked for my name which I gave her. She gave me their website, www.sequium.com and a reference # so that I could look up my account. I kept her on the phone so that she could walk me through the screens. I put in the reference number and then it prompted me to enter the last 4 of my SSN which I entered, to no avail. I entered the last 4 of my SSN twice and got an error message saying it was invalid. The lady on the phone instructed me to enter 5900 which worked. I told her those number are not the last four of my SSN, but she said that is what they have on file. Also the address they have on file for me is from 7 years ago and she wanted me to give her my current address, which I refused. I then asked her who the original debtor is and she said it should show the name of the hospital on the screen next to 'Original Creditor ' but that information is not present. I told her their claim of my owing {$430.00} to an unknown party doesn't seem legit and that I plan to report them to the FTC. I then ended the call.
Product: Debt collection

I contacted TransUnion Consumer, regarding a debt that does not belong to me, XXXX XXXX XXXX, collection debt in amount of {$4600.00} dollars. I sent a letter to TransUnion on XX/XX/2022 and have not received a reply nor the requested information with actual documentation of the debt validation. This is harming my credit and has created denial of my credit approvals, please help.
Product: Debt collection

Debt collection agency has been violating my rights per to the FDCPA section 809 ( b ) by not validating my debt and still are reporting derogatory information to the credit bureaus as well as taking legal action against me. I have no knowledge about this debt and never signed anything with this company. Debt collection agency showed a signature to a document that was presented to a judge that I have NO KNOWLEDE of signing. I will be taking further action by filing a complaint with the XXXX XXXX XXXX as well as taking this up with the Attorney General Office.
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, XXXX  XXXX : # XXXX, I looked at my Equifax credit report on XX/XX/2024 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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

In XX/XX/XXXX, my wife and I were forced to file Chapter XXXX due to some financial hardships due to some medical issues. When we filed the Chapter XXXX, we were living at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and did not include the mortgage in our request for Chapter XXXX. 

I identified the discrepancy on my credit report and submitted my dispute in XXXX. On XX/XX/XXXX, XXXX completed the investigation and said the reporting was accurate. I disputed again through XXXX and called Flagstar Mortgage customer service approximately XX/XX/XXXX. I explained to Flagstar that the loan in question has never been part of our Chapter XXXX ( discharged in XX/XX/XXXX ) and that have been and continue to pay on the loan. Flagstar customer service explained to me that unless I have a letter from the Judge who oversaw the Chapter XXXX stating that the loan was not part of the Chapter XXXX, they could not change the information on my report. On XX/XX/XXXX, XXXX found in Flagstar 's favor again. 

I contacted my XXXX lawyer about what Flagstar explained and was told that because the XXXX was discharged in XX/XX/XXXX, the judge would not go back and provide the letter Flagstar explained I needed. 

I have been paying on a Home Mortgage through Flagstar since XX/XX/XXXX and not receiving credit for paying on time since XX/XX/XXXX. All I ask is that I get credit for what I am doing to re-establish my credit. 

Please provide any guidance that would be beneficial to get this resolved. 

Respectfully, XXXX
Product: Bank account or service

Bank of America has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Bank of America option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Bank of America has yet to provide me with information about their " regulation '' that restrict their programs but no other bank including those larger than Bank of America appears to have the same restrictions.
Product: Money transfer, virtual currency, or money service

Someone managed to acquire our bank information via hacking a my I phone in another state. They then mobile deposited fake checks and turned around and wire transferred them out. Wells Fargo claims their " security features '' for this type of fraud is ironclad via sending secured text messages to my phone number every time a deposit/transfer/or wire transfer is done. I checked and this feature works fine as my notifications are on and no such messages show up on said XXXX phone records of mine.When we noticed this happened 24 hours later Wells Fargo said it was too late to dispute and that they had internal information that they sent me secured text messages to which I agreed to all the deposits and wire transfers ( saying I returned all the secured 6 digit codes back to them to initiate transfers ) .They refused to share the confirmation of these alleged returned codes, and they refused to identify the device type the fake checks were deposited through or ID numbers.After going to the OCC they decided to tell is when we agreed to mobile checking ( which the pushed hard and even opened for us at the bank ) that we are responsible for any and all fraud that may occur. When I mentioned I never agreed to wire transfers, they said when we agreed to online banking we agreed to all updates to the accounts.We are now out {$3000.00} in our childs college savings account. Great Job protecting Child accounts Wells Fargo.
Product: Debt collection

I received a notice through my credit monitoring service that a change to my credit information had occurred. Upon investigating, two debt collection activities were identified against my credit by XXXX   from Transworld Systems , Inc. ( TSI ) on XX/XX/2018, one in the amount of {$2000.00} and the other in the amount of {$71.00} with the accounts listed as " N/A. '' I have not received any other notification about this debt, and my credit history has been outstanding, with nothing to which I can attribute this debt collection action. I believe this to be a fraudulent act.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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

on XX/XX/2024 I submitted a report about me informing capital one, XXXX, and XXXX XXXX of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. These companies are still reporting charge-offs on my report even though I am using the law and exercising my rights
Product: Mortgage

I realized my bank had made XXXX payments for homeowner policy when they notified me that my escrow account was short and it resulted in increased monthly payments.
Product: Debt collection

I noticed this collection on my credit report in XXXX indicating a collection for an account opened in XX/XX/year>. I have no knowledge of this account, don't know what it's for. I suspect fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. I Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. As well as a couple of employers XXXX XXXX and XXXX XXXX XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX/XXXX/XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately. 
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

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX
Product: Checking or savings account

I have a Chime account and have had problems with this in the past. I had an unauthorized transaction of {$200.00} from a company called XXXX XXXX XXXX which is based in XXXX. I live in TN. Upon seeing that transaction I turned off my card just in time to see an attempt to take {$150.00} had not gone through due to me turning the card off. I have screenshots of that. Once the " pending '' status dropped I filed a claim yesterday on Saturday. I get an email today on Sunday that they have found no fault in the transaction and that the dispute is closed. They won't even allow me to dispute it again. I want my {$200.00} and an apology to all the other victims of Chime 's lackluster and whimsical attitude towards their scammed customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX  Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Experian cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT
Product: Checking or savings account

Cash App has blocked all transactions and refuse to allow me access to my funds. The dont give me any information other than it is being investigated. No anticipated time of resolution I asked if I could close the account they told me I could close the account, but then refused to cash out my monies with no explanation as to why Ive tried every day for the past nine days to get this resolved and I keep getting the same runaround.
Product: Credit card or prepaid card

I requested a balance transfer through my XXXX credit card who use Elan Financial as a third party. The balance transfer was approved and check was mailed by them to XXXX XXXX for the amount of {$7500.00} on XX/XX/23. XXXX XXXX deposited the check on XX/XX/23. The amount was taken off the XXXX XXXX account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my XXXX XXXX account. I have spoke with both parties multiple times. Elan states the check as cashed and there is nothing else they can do. XXXX XXXX states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. XXXX XXXX refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that Elan sent me a copy of. Last person I spoke with at XXXX XXXX said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to Elan they again stated the check was cashed and no further investigation can be done.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I have some items being reported on my credit file inaccurately. I have previous disputed these inaccurate information with Transunion while demanding for a method of verification, but the result keep coming back as either updated, or verified as accurate with me being provided with any method of verification each times. 

my 15 usc 1681 method of verification along with many other consumer reporting laws are being violated, and I am demanding a new investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX BANK has intentionally refused to remove the late payment I called about as soon as I knew. I even expressed that I had XXXX XXXX  and was told it would not be reported to my credit report per the COVID 19 Cares Act. XXXX XXXX XXXX WENT SO FAR AS TO USE THEIR LIE TO PREVENT GETTING A HOME EQUITY LOAN WITH XXXX BECASE OF THEIR DELINQUENT DEROGATORY REMARKS ON MY CREDIT.