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

XXXX recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, Equifax and XXXX of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. 

Although being acutely aware of this, XXXX, Equifax and XXXX have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. 
I am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. 

I am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, Equifax and XXXX still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Closed : XXXX XXXX **** Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chargeoff : XXXX XXXX Balance : {$5200.00}
Product: Checking or savings account

Please do not close this complaint as it regards to a different account ( owned by different names ). 

__________________________________________________________________ I opened the HSBC business checking account in the downtown XXXX office XXXX XXXX XXXX, New York, NY XXXX on XX/XX/2019. The banker who helped me opened the account is XXXX XXXX. The account was not immediately approved and I had to go to the branch to make a deposit after it was approved. XXXX was not in the branch on that day and another banker who helped me made the deposit did not process my online banking request correctly and when XXXX came back from vacation, she had to request it again. This had resulted a delay from me getting access to the online banking account. 

I opened this account because of the promotion that was given at that time which would give {$300.00} after some requirements were met.I have been contacting XXXX regarding the promotion for more than a month. She had escalate the case to the right department and as of today, I still have not got it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed as a collection on my credit report. I do not own this account.
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make and consumer report containing and of the following items of information. Any other adverse items of information. Other than records of convictions of crimes which antedates the report by more than 7 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 in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights per the XXXX XXXX XXXX XXXX 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952. 

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details XXXX XXXX paid off Balance {$120.00} Balance updated XX/XX/XXXX Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/2022 I was at the grocery store after a doctors appointment when I received a call and the person claimed to be a XXXXXXXX XXXX representative. 

He stated that my utility bill was overdue and that my utilities would be canceled in XXXX minutes if I dont pay electronically today. 
I was out of town for a period of time and I thought my utility bill was paid automatically but I know sometimes that can get screwed upso, in my mind the bill couldve been due The person instructed that the only way to pay was to use the cash feature on my XXXX XXXX XXXX checking account app. called Zelle. I never used this cash service before. The person assured me and said, he could walk me through getting a confirmation to allow to use this Zelle cash service. 

He instructed me to pay the outstanding balance of {$260.00} from Zelle and take a screenshot of the transaction and send it to phone number he provided I texted the payment complete along with the screenshot to the scammer. 
After a couple of minutes he said he didnt receive this text and to resend it. 
I had received a text back from that number saying they did not receive the payment from Zelle. So, I went into my checking account again duplicated the payment and resent it. 

I was in the grocery store for almost 40 minutes trying to figure this thing out.

I called the phone number that the scammer called on and I got my utility company customer service! 

I asked the customer service person what was my balance on my utility account and she said it was current. 

I tried a third time to get into my XXXX checking account by this time they locked me out of my account. 

I called XXXX customer service fraud using Zell filed a report and they stated they can not refund my account.

What a rip off and something has to be done to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I froze our credit in XX/XX/2006. We have been able to unfreeze it from time to time as needed. We recently unfroze it with Experian and now in order to freeze it again, they are demanding that we enroll in an expensive credit protection plan. We feel that this is a kind of extortion. We merely want our credit re-frozen the way it was before our last request to unfreeze it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM EQUIFAX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
. 
XXXX.. 
XXXX.. 
XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while XXXX & Experian isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. Experian has a XX/XX/XXXX date of last activity & XXXX  has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. Experian shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. XXXX  doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and Equifax to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any account or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

Back in XXXX XXXX  I had fraud charges in my XXXX XXXX credit card. I reported the fraud to XXXX immediately. XXXX completed their investigation and ruled in my favor, of course. And the charges were proved to not be mine. 

Here we are 10 months later and I have a debt collections agency called Cedars Business Services reaching out claiming that they are chasing me for debt from XXXX. I was so confused about this and immediately called my XXXX XXXX  to reconfirm that the charges were rolled in my favor. XXXX again confirmed and even stated that XXXX is NOT a bank and can not put me into collections. XXXX said if anyone would put me in collections it would be them, the bank. And they use their own collections agency and it's not " cedars business '' Again, XXXX is a store, they are not a bank, they can not put me into collections.
Product: Credit card or prepaid card

Hello! I am complaining about SYNCB TJX CO PLCC. I have been making payments to TJ Max rewards. Two of my payments were rejected because of insufficient funds. I reported my debt card stolen at the time. As of yesterday XX/XX/XXXX I saw on credit karma that synchrony closed my account without my permission. I called XX/XX/XXXX XXXX and the lady told me that they closed my account because I had two payments rejected. She told me that even if I was to pay credit card that they could not reopen my account and that if I was interested in getting another card with them that Id have to start the process over, but I would still have access to my closed account with the balance {$460.00} to pay off. I called XXXX XXXX and filed a dispute.
Product: Debt collection

There have been multiple dates that i can not remember but the last one was on XX/XX/2020. A company named Dynamic Recovery Solutions with the phone number XXXX has contacted me several times asking to verify my personal information regarding personal business related questions but refuses to discuss what the matter is about. They did not even say are attempting to collect a debt or what company they represent. I called the number back to find out what the company name is. With all the phone scamming and spamming out there i refuse to give any personal information out. Also, i checked my credit report and i do not have a Dynamic recovery solutions on the report so i have no idea who this company is and if they actually have any right to contact me about a debt or any other reasons.
Product: Money transfer, virtual currency, or money service

Reported fraudulent activity that occurred on XX/XX/XXXX to cashapp was told investigation would be over XX/XX/XXXX only to find out today it was escalated again which is a stall tactic Cashapp seems to use seeing as though my previous case they have been investigating for almost 1 year they give their employees a robot like response that says there nothing they can do I have the ftc report the attorney general and police report sent to them and its still no kind of effort going into my case
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX LITIGATION ( EXPERIAN ) CASE NUMBER : XXXX Letter Date : XX/XX/XXXXXXXX  Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : YOU ARE NOW BEING SUED ( LITIGATION ) FOR DEFAMATION OF CHARACTER. YOU HAVE FORCED MY HAND FOR THE FINAL & LAST TIME. PLEASE HAVE YOUR LAWYER TO CONTACT ME IMMEDIATELY TO RESOLVE THIS MATTER TO AVOID GOING TO COURT AND PAYING. I AM WILLING TO SETTLE OUTSIDE OF COURT, PLEASE CONTACT ME IMMEDIATELY SO THAT WE CAN RESOLVE THIS MATTER WITHOUT PAYING ME THE ( {$5000.00} ) IN DAMAGES TO NOT ONLY MY GOOD NAME, BUT THIS HAS CAUSED A LOT OF PAIN MENTALLY AND FINANCIAL PAIN TO HELP NOT ONLY MYSELF BUT MY FAMILY. ALL I WANT ARE DELETIONS OF ALL OF THESE FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO NOT ONLY IDENTITY THEFT AND FRAUD BUT ALSO THE EXPERIAN DATA BREACH SITUATION! .ALL MY RIGHTS HAVE BEEN VIOLATED. EXPERIAN HAS REPEATEDLY DELETED AND RE-INSERTED FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. THIS IS SERIOUS!. YOU HAVE TWO CHOICES, EITHER DELETE ALL THESE FRAUDULENT ITEMS ON MY CREDIT REPORT ( JUST DELETIONS ; OR DELETE & PAY {$5000.00}. ALL I REALLY WANT ARE DELETIONS & THATS IT!. BUT IF I'M GIVEN A HARD TIME & MORE OF MY TIME IS WASTED WITH JUST DELETIONS I WILL SEEK ALSO THE WHOLE {$5000.00} PLUS DELETIONS. THE CHOICE IS YOURS!. I DEMAND THESE FRAUDULENT ITEMS ARE REMOVED IMMEDIATELY! MY CONTACT IS LISTED BELOW. EMAIL : XXXX cell phone number : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card

I purchased clothes online from XXXX for {$180.00} on XX/XX/XXXX, using my Venmo Credit Card ( issued by Synchrony Bank ). On XX/XX/XXXX, I returned the items to the XXXX store and received a refund of {$170.00} back to my original payment method. I received a notification from Venmo that the refund was successfully processed, and I thought nothing more of it at the time. 

However, nearly a month later, I noticed my Venmo statement was higher than usual and discovered that the refund was removed from my account. I immediately contacted XXXX on XX/XX/XXXX, who confirmed that they had processed the refund and advised me to contact Venmo if the refund wasnt showing up. XXXX provided me with the refund reference number and details but did not offer further proof of the refund on their end. 

Upon reaching out to Venmo, I was told that I needed to contact Synchrony Bank directly because Venmo does not handle credit card transactions. I did so and opened a dispute. I provided a copy of my receipt from XXXX and screenshots of the email from XXXX showing the refund details. 

XXXX passed with no update, so in XXXX, I contacted Synchrony Bank again for an update. They told me the dispute was closed due to a lack of proof. I insisted that I had already sent the necessary documentation and demanded they verify it. After confirming that they had received my proof, they reopened the dispute and assured me that I would be credited while they investigated further. 

Despite being told I would receive a credit, I never received it until XXXX, when the refund was finally credited back to my account. I was relieved, but today, on XX/XX/XXXX, I received my Venmo statement and saw that the refund of {$170.00} was re-billed to my account. This is the same amount that was already refunded to me and should not have been charged again. 

When I called Synchrony Bank, I was told that my dispute was closed again, and they had sent me a letter regarding the closure, but I never received any such letter. Synchrony Bank has repeatedly refunded the amount and then reversed it, and I believe they are stealing my money. This has been an ongoing issue for over XXXX months, and I am incredibly frustrated by the lack of transparency and resolution. 

Actions taken : - I returned the items to XXXX on XX/XX/XXXX, and was refunded {$170.00}. 
- I contacted XXXX on XX/XX/XXXX, who confirmed the refund and provided a reference number. 
- I reached out to Venmo, who told me to contact Synchrony Bank for the credit card refund. 
- I opened a dispute with Synchrony Bank, providing proof of the refund via receipt and XXXX email. 
- The dispute was initially closed in XX/XX/XXXX due to a lack of proof, which I then verified with Synchrony. 
- Synchrony reopened the dispute and assured me I would be credited while the investigation took place. 
- I received the credit in XX/XX/XXXX. 
- On XX/XX/XXXX, I was re-billed the {$170.00}, despite already being refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding its failure to properly investigate disputes on my credit report, which appears to be part of the systemic issues that led to the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against this company. 

1. Failure to Conduct Proper Credit Report Investigations I submitted a dispute to Equifax on XX/XX/year> and the investigation was done on XX/XX/year> regarding removal of improper names on my report. On XX/XX/year>, XX/XX/year> & XX/XX/year> requested an proper investigation and within a few hours the reports were completed regarding [ specific error ( s ) on the credit report, e.g., incorrect accounts, fraudulent charges, outdated information, mixed credit files ]. Despite providing identity verification, Equifax failed to properly investigate my claim and instead issued a generic response without addressing the issue. 

This aligns with the CFPBs lawsuit, which alleges that Equifax has been improperly handling credit disputes by failing to : Conduct thorough investigations as required under the Fair Credit Reporting Act ( FCRA ). 
Provide consumers with accurate and meaningful dispute resolution instead of dismissing claims without review. 
Fix systemic errors in credit files that harm consumers ' financial standing. 
2. Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i, Equifax is legally required to conduct a reasonable investigation of any dispute submitted by a consumer. However, my experiencealong with the findings in the CFPBs lawsuitdemonstrates that Equifax has been neglecting this duty, causing financial harm by allowing inaccurate information to remain on my credit report. 

As a direct result of Equifaxs failure to investigate my dispute : My credit score has been unfairly impacted. 
I have faced loss of financial opportunities, emotional distress, etc. ] due to Equifaxs negligence.