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

I reached out to Equifax on XX/XX/XXXX to report fraudulent items on my consumer report. I submitted a prior CFPB complaint back on XX/XX/XXXX and on XX/XX/XXXX. In both of those complaints I provided the FTC reports and police reports for the XXXX fraudulent accounts on my consumer report with Equifax which are XXXX XXXX XXXX XXXX XXXX XXXX Accounts and XXXX XXXX  account. On one report Equifax claimed they verified the account as accurate, but didn't provide me any details as to what they verified or how they verified, further more it's a fraudulent account, so Equifax can't possibly verify a fraudulent account. On the other CFPB report Equifax stated to the CFPB that in order for them to remove the fraudulent accounts they needed proof of my identification, which was a copy of government issued ID, a copy of my social security card or other related documents to prove my identity. When I talked to the representative today at Equifax she informed me that they haven't received any documentation or complaints that I have submitted to the CFPB and she also stated they have had my identity documents on file since XX/XX/XXXX. I'm trying to figure out why would Equifax state these statements to the CFPB. Also I noticed today on my myEquifax.com, that another social security number is linked in to my name and Date of Birth. This isn't the first time this has happened and I have already addressed this before with Equifax. They disputed it prior but now it's showing back up. So I'm trying to figure out how Equifax has this on file and which accounts are accurate and which are not, if they can't even keep my personal information safe and secure and accurate. Remove and block these accounts immediately as Equifax is violating 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Accounts that needs to be removed and blocked immediately from my consumer report are : XXXX XXXX XXXX XXXXXXXX : ACCOUNT NUMBER XXXX : AMOUNT : {$5400.00} XXXX XXXX XXXX XXXXXXXX : ACCOUNT NUMBER XXXX : AMOUNT : {$2400.00} XXXX XXXX XXXX XXXX : ACCOUNT XXXX : XXXX : AMOUNT : {$10000.00} THESE ACCOUNTS NEEDS TO BE BLOCKED AND REMOVED IMMEDIATELY DUE TO IDENTITY THEFT, NOT VERIFIED OR DISPUTED I HAVE ATTACHED THE PRIOR CFPB COMPLAINTS TO THIS COMPLAINT AND ALSO PHOTOS OF THE TWO SOCIAL SECURITY NUMBERS THAT ARE REPORTING ON MY EQUIFAX REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX Original creditor : XXXX XXXX XXXX BANK XXXX XXXX Date opened XX/XX/year>2019, charged off. per section XXXX XXXX XXXX ' validation Notice I didn't receive a validation letter with my signature validating the debt. I never entered in a binding contract with XXXX XXXX who didn't provide a copy of the original contract with the original creditor. a copy of the payment history with name and address of the original creditor. and proof of the debt assignment. XXXX failed to provide the documents withing 30 days. TRANSUNION keeps stating we verified the ( debt show me how ) won't remove the debt from my credit report. this is unacceptable. This needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.
Product: Credit reporting or other personal consumer reports

In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX I executed a clause in my lease that states if I get an appraisal and it comes out above the owed value, I can turn it in. This was the case, but the dealership ( Honda ) failed in sending the vehicle return receipt after giving me grief because they didn't understand the clause. 
Several times in XXXX I had to call the dealership and Honda Financial Services after I was charged {$250.00} for my XXXX payment, even though I executed the clause on XX/XX/XXXX, which should have ceased all payments thereafter. I completed the vehicle return receipt again mid-XXXX and the rep at HFS closed out the lease. Later, I was asked to send proof that I turned in the plates. I did that on XXXX/XXXX/19 and faxed the document to ( XXXX ) XXXX. I then called at least 5 times on XX/XX/XXXX and they argued with me, hung up on me, and placed me on hold 2 times and never came back. They refused to transfer me to a manager and stated the dealership needed to pay me the money. HFS and the dealership are under the same umbrella for ownership and they need to remedy their mistake. They also stated the vehicle return receipt was not on file, which it had to of been.
Product: Checking or savings account

On XXXX I messaged my bank requesting that Navy Federal Credit Union place a bankers notation in my account file saying " ALL FUNDS BEING DEPOSITED, TRANSFERRED WITHIN, OR TRANSFERRED OUT OF MY ACCOUNT IS TO BE " DENOMINATED AS LAWFUL MONEY '' PURSANT TO 12 U.S.C 411 '' after talking through message I was denied that right. 
On XXXX I called XXXX and talked with XXXX Services and XXXX  to get the statement placed on the account. After being denied. I asked why and where legally do they have the right to deny my request. I wasn't given a legal explanation as to why my request was denied. There is a difference between lawful money vs. XXXX XXXX in which most bankers are incompetent and void of overstating of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and TransUnion is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
Product: Debt collection

This account appeared on my credit report on XX/XX/21. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. 

This company has violated the fair debt collection protection act. 

I want this removed ASAP. In the interim I want the opportunity to fairly dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX. Transunion, AND XXXX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer. 
I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via E-Oscar. The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law. 

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please Delete Immediately
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to an adequate customer service, and unfair practices, which violate the customer financial protections act. Specifically, cash app failed to provide timely and effective measures to prevent address for leaving the account. Completely vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive. As they did not comply with the electronic transfer fund act. These actions have called a significant financial loss, and I seek appropriate redirect for these violations
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions throughout the past two years to clear up incorrect information that is showing on my credit report. The dates are as follows XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted them via certified letter and via phone with no help on either end. I have asked them to validate the debt that is appearing on my report, because it shows as fraudulent information. They have yet to send anything in writing as to how they are finding information to be accurate and true on my credit report. The only response I have gotten is that they will not re investigate this matter, which is very unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX BANK XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

National credit systems says I owe for an apartment in Texas called XXXX XXXX XXXX. I live in Maryland have for 30 almost 31 years. They will not remove it off of my credit. I have called 10+ Times, emailed, etc. 
they are RUDE and ruining my credit. The last name isnt mine either
Product: Credit reporting or other personal consumer reports

I am listing XXXX accounts fraudulent from my Experian credit report and XXXX account fraudulent from my Transunion credit report. Experian accounts that are fraudulent : XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX account that is fraudulent : XXXX XXXX XXXX. The listed accounts do not belong to me and must be removed from my Experian and Transunion Credit reports. I had a call with the company and the credit reporting agency advised me to fi le an identity report for deletion. I am requesting Experian and Transunion to mark listed accounts as fraudulent and remove from my credit report. Thank You!
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX Account XXXX XXXX XXXXXXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX I made a payment to my XXXX XXXX through my Paypal account. Instead of taking that amount from my bank account, Paypal fraudulently took an additional amount of money from my bank to pay for a debit balance that I had previously accrued because of a disputed transaction on XXXX. I had sold a product on XXXX and the buyer did a chargeback with his credit card. Then Paypal wanted the money back from me and also charged me {$60.00} because of the chargeback fees even though this was created by the buyer, not myself. So, I disputed this amount with Paypal.
Product: Consumer Loan

Santander Consumer USA has reported on my credit report that I have XXXX late/missed payments on my 72 months loan term. I have made XXXX payments on time and requested deferment of XXXX payments when I was injured at work. The deferment was approved and fees were charged for this request. The company has reported my payments as being past due since that request. Car was recently stolen and insurance made large payoff for loan and the payment was misapplied several times causing the balance to go down and then back up and no one can explain what happened. After XXXX payments at {$480.00} per month on a {$16000.00} loan - somehow I still owe {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently & find out multiple billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX 2015 after my GREAT Hubby 's XXXX, I inquired of a used van @ XXXX XXXX in XXXX XXXX, XXXX, sales person wrote it up. finding the fee, I called my son who was to purchase it said he could not do so. No transaction followed.XXXX has 'dropped their inquiry per my request THIS YR. Somehow XXXX XXXX they work with, I contacted TWICE say they have NO RECORD OF SUCH TRANSACTION, STILL THEY ARE NEGITIVE ON MY SCORE. 
PLEASE HELP WITH CORRECTING SAME. SINCERELY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Checking or savings account

Last year, I opened a checking account online with a bonus coupon through Chase website. I was successful at opening the account and Chase mails me the debit card to the account. Chase closes the account without notice. 

I go to their branch to see what the issue was. The personal banker told me that they couldn't reopen the account back, but I could open a new checking account. Here is the issue, their system would not allow the personal banker put in the {$220.00} bonus coupon for opening a Chase Total Checking account and setting up direct deposit even though I never received it initially because Chase closed my first account. 

I tried contacting Chase to solve this issue, but they were not able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found incorrect information on my credit report with trans union and attempted to dispute it online- after creating an account and entering information, their webpage would not load ( tried on 2 different computers ). I clicked on the dispute by mail link to download form and there was no form to download on the page, only an address to mail it to. I used XXXX to find form on a completely different page, and downloaded it. I called the XXXX number and was told by an XXXX rep that they I couldn't dispute it by phone. I asked for a supervisor and was on hold ( for approx 10 minutes ). XXXX supervisor was impossible to understand, and he was having trouble understanding me- I asked to be routed to an English speaking rep in US- was on hold for another ( approx ) 20 minutes. Finally spoke with an english-speaking supervisor ( XXXX ), who was sorry that their website wouldn't work, but I can't dispute by phone. Trans Union is reporting obviously incorrect information and impacting my interest rate, while intentionally making it difficult or impossible to correct the record. The disputed items are 2 hard inquiries : XXXX XXXX ( I don't have and have never applied for a mortgage from XXXX ), and XXXX ( 2 hits same day for 1 card, obviously an error ).
Product: Credit card or prepaid card

After making two trips from Oregon to Virginia to visit my elderly ailing mother, my credit card charges was at {$3200.00}. My husband suggested I find a zero interest balance transfer card, so I started searching online. The next day XXXX received a phone call from a guy by the name of XXXX XXXX ( XXXX ), from " Card Services '', who did not speak very good English ( should have been a clue ) who eventually transferred me to a XXXX XXXX ( XXXX ) who stated she could take care of my problem. She explained that their fee was {$1400.00}, and having never done this before I did not know. She tried to open a card in my name, but was unable to get credit approval, so suggested we apply in my husbands name. We got approved for a XXXX, with a {$3800.00} limit. She then told me to call her back when we received the new card. In the mean time, she charged my original card the {$1400.00} fee, which now put my balance well above the limit of the zero interest card. I called my original card company, CapitalOne, to dispute the charge, but was told that since I had authorized it, I could not dispute the charge. Then they transferred part of my balance to the new XXXX. These people need to be stopped, you can get balance transfers done for 3 %, not thousands of dollars. I would like to be able to get my {$1400.00} back. In the mean time, my husband went to our bank and got set up with a zero interest balance transfer card at no fee, then transferred all of the other balances to the new card, so that issue is now resolved. There should still be a way to recover my, in my opinion, fraudulent charge of {$1400.00}. CapitalOne must have a name and address where funds were sent! Please help! I am now fully aware of how ridiculous this entire process was, but having never needed this service, I simply did not know. 


XXXX XXXX XXXX
Product: Credit reporting

Experian refused to communicate with me via email ( please see attached ). I think this is a deliberate attempt by Experian to shield itself from valid inquiries and questions ; to limit my access to information ; and to force phone calls to persons who are undertrained and/or morons and/or having me waiting " on hold '' for extended periods of time. There is no valid basis not to communicate by email, and in fact it has the favorable effect of having a written trail of what is communicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2021, XXXX of 2021, and XX/XX/XXXX I sent certified letters to XXXX, Equifax, and XXXX demanding verification of XXXX XXXX  and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.