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

Equifax Information Services LLC and XXXX allowed inquiries to be placed on my report without my consent. After 3 disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of their investigations, they stated in writing that the items were verified and are being reported correctly? The company did not state who verified the accounts. Equifax and XXXX DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally both companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do recognize or authorize. I am a victim of identity theft through the military PII leak. Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them. 

The following are the unauthorized inquiries that have hit my credit report. 

XX/XX/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
Product: Credit card or prepaid card

It is my understanding that the Card Act requires that Discover process my payment the same day. This did not happen on several occasions leading to two additional {$20.00} charges to my account. Further more there was a {$10.00} fee/charge, by discover, that no one could explain or determine what it was but I was charged nonetheless. 

After about 30 days the debacle continued, once my {$550.00} payment was made, on my secured discover card, Discover canceled my account and told me I would not have access to my {$500.00} for upwards of 70+ days.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cas

h App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. T
hese actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report unfrozen with Equifax for almost 3 years now. I have faxed them all my information, called them, faxed again, sent certified letters. I can not refinance my car, apply for a home loan or do anything like login to the free Equifax account. I was told to fax and send a letter to the disputes department. I was a victim of identity theft over 4 years ago and they have some type of freeze on my account. Each time I call in, I spend over 1 hour trying to explain this to the Agents as well as their supervisor. This happens each time I call which has been almost everyday for the past month, Each time, I'm told - there's no block on your account - or, there's a block on your account from identify theft. And then they tell me it's fixed. But, still, I can't login to get my free credit score, lenders can't access my score either. There's zero follow up. Yesterday, I called at XXXX pst and spoke to someone who told me theres ' nothing wrong and then made me try to login to my account over and over again. Same message - code BLNK OR NH OR call us at this number. Nothing is working and I'm ready to begin taking legal action against this company as NO ONE WILL HELP AND NO ONE DOES ANYTHING. This seems like an issue with Equifax and I've filed 2 complaints before. They don't reach out, they just close the complaint with - " we see no block on your account. '' I have names/times and screen shots plus lenders that tell me they can't get my report. THIS IS THE WORST COMPANY EVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Product: Debt collection

I spoke with mountain land collections to see what bill I was supposed to pay. They had told me they billed XXXX and didnt receive payment. I told them to rebill select health which was my primary insurance and then bill XXXX. I spoke with select health and they stated they would pay even with it being a year. Mountain land collections never rebilled, and now the bill is sitting in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I submitted to CFPB Equifax had decreased my credit score 29 points for a credit card increase of {$3.00}. XX/XX/2020 Equifax corrected the error and increased my score 36 points. Today XX/XX/XXXX, they decreased my credit score 11 points for a charge on XXXX XXXX for an increase of {$45.00}. I am not using my credit card.I am increasing in my credit scores with XXXX and XXXX  but not Equifax due to bogus reporting. Attached is the XXXX XXXX transactions since XX/XX/2020. The only transactions are 2 payments. The card has not been used. Payment of {$5.00} and {$60.00}. They continue to decrease my score without validation. Who the XXXX runs this place. It's impossible to get a live person on the phone. 
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Product: Credit card or prepaid card

My child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given,  you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom. 

After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud. 

The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18. 

At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions. 

I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which  were successful. Additional attempt was halted only after my child discovered the fraud and took action.
Product: Checking or savings account

On XX/XX/2022 I made a purchase for a XXXX XXXX. I thought I was only going to be billed {$99.00}. Since this was and out of the country purchase the total came out to be {$120.00}. I thought with the conversion rate it would be {$100.00}. So I filed a dispute for the difference of {$20.00} with my bank Current. About a week later I noticed my membership was cancelled through the merchant. I talked with a current employee through their chat feature since the no longer have phone representatives. They chat employee told me they would close the dispute and I could file a new once since I no longer have access to what I paid for for filing a dispute for being over charged.Now today XX/XX/2022 current emails me and lets me know they have closed the dispute and I would not be getting a refund after I give them proof that their employee said in writing that I may file a new dispute since the merchant revoked my access to a {$120.00} course. They have stopped responding to my emails and refuse to acknowledge their word.
Product: Mortgage

Fay Servicing started servicing my mortgage in XX/XX/XXXX. Fay service illegally added property tax debt to my mortgage without legal cause. The amount changed my monthly payment from {$1000.00} to {$1300.00}. They wrongly placed my line 3 months late and in fact I was only 25 - 30 days late causing credit rating of late and none payment to race credit risk and low credit score. This company has reported incorrect information too XXXX   and other credit company. Please not how there is no request from Fay for new loan, but my mortgage payment per month has changed 4 times since XX/XX/XXXX with this company falsely. Even as late as today, wrong information is reported, they are still reporting my monthly of {$1100.00} which is wrong. My monthly payment has been came for years in the amount of {$1000.00}
Product: Debt collection

Refer to case XXXX. The XXXX XXXX - CashCall shell game will not go away. After paying more than {$35000.00} on a {$10000.00} loan, CashCall and their thugs continue to try to drain money from me. The most current version is some alleged XXXX XXXX with and outfit claiming to be XXXX XXXX XXXX - phone XXXX. XXXX continue to get harassing calls from all sorts of debt collectors, event though I paid this off to XXXX in XX/XX/2016. I 'm pretty certain this has played out the way XXXX XXXX XXXX XXXX planed out, with hiding behind an Native American laws to charge interest at a rate well beyond any state or federal government rules, and using the full force of the federal and state governments to attempt to collect. After state and federal governments finally catch up and inact laws to stop his practices, whatever loans that have been handed out ca n't be touched. Then, when victims can pay no more, he sells off the loan information to multipe 'debt collectors ' who claim to have 'ownership ' of the loans. The alleged XXXX XXXX of XXXX XXXX ( XXXX ) threatened me with lawsuits and threatened to harass my family members - specifically my wife. I have had enough!!!!!!!
Product: Credit card or prepaid card

I have Identity Theft. And I was going to report that to Capital One, when I noticed a few of my payments didn't go through. When U called the recording said they suspect Fraudulent Activity. I was on hold for 45 min for someone to tell me they closed my account. I called 4 more times to only be put on hold when I asked for a supervisor. They never took any information from me. Including police report..etc. never never investigated my Fraudulent Activity!! Closed my account and reported to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2017Equifax signed for the certified mail sent by me and has yet to correct the issue. I have had Identity Theft in the past and mailed out a Police Report, Notarized FTC Identity Theft Report three times.  By FCRA 605B (15 U.S.C 1681c-2) Equifax has four business days to block the alleged Identity Theft information. XXXX  and XXXX verified and blocked this information within 4 business days but Equifax has yet to do it. I have called Equifax and talked to two supervisors, they both told me there was re-investigations going into my claims of Identity Theft and that they got my police report and FTC Identity Theft Report. I have attached the proof of Certified Mail being signed off by an Equifax Representative on XX/XX/2017I got no response from XX/XX/2017. Equifax got my police report and all the information needed to block this information by law. I have also attached the Police Report and FTC Report to this message.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

Forced to take predatory loan right after XXXX XXXX for small XXXX foot camper for emergency shelter. Attempts to get loan modification ignored. Gave it back to them as a voluntary repo. BOA doubled down and demanding even more money than was owed before and wanting it all at once, immediately, or else. Attempts to contact the loan officer who is never there. Calls from boa never reference any letters I have written, they just try to pump me for information, obviously reading from a script and will not deviate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint : XXXX XXXX XXXX, XXXX, XXXX XXXX, and Experian Complainant : XXXX XXXX Date : XX/XX/year> Summary of Complaint : This complaint addresses multiple legal violations committed by XXXX XXXX XXXX, XXXX ( XXXX ), XXXX  XXXX, and Experian. XXXX XXXX has failed to validate the debt despite multiple formal requests and continues to pursue collection without proper validation. XXXX XXXX has illegally sold a charged-off debt to XXXX without issuing a 1099-C form for cancellation of debt income, which is required by IRS regulations. Furthermore, Experian continues to report inaccurate and disputed information despite no validation of the debt by XXXX. 

Violations by XXXX XXXX XXXX, XXXX ( XXXX ) : XXXX. Failure to Validate the Debt ( FDCPA Violation - 15 U.S.C. 1692g ) : XXXX did not provide any legitimate documentation or proof to validate the alleged debt after receiving a formal debt validation request. 
XXXX did not provide a copy of the original signed contract between the consumer and XXXX XXXX to substantiate the debt. 
XXXX. Continuing Collection Activity Without Validation ( FDCPA Violation - 15 U.S.C. 1692g ( b ) ) : XXXX continued to report the account to credit bureaus and attempted to collect on the debt without responding to the debt validation request. 
XXXX. Misrepresentation of Debt Ownership ( FDCPA Violation - 15 U.S.C. 1692e ) : XXXX falsely represented its legal right to collect on the debt without proving it had the proper assignment or legal standing to do so. 
XXXX failed to provide any documentation from XXXX XXXX to substantiate that the debt was legally transferred. 
XXXX. Failure to Provide Proof of Licensing in Illinois : XXXX failed to show it is licensed to collect debts in the State of Illinois, violating state debt collection laws. 

Violations by XXXX XXXX : 1. Failure to Issue a 1099-C Form for Cancellation of Debt Income : XXXX  XXXX sold a charged-off debt to XXXX, yet failed XXXX issue a XXXX form to the consumer for cancellation of debt income. 
This is a violation of IRS regulations. According to the IRS Form 3439-A, creditors must report canceled debts over {$600.00} to the IRS and provide the debtor with a 1099-C form. 
XXXX. Improper Transfer of Debt to a Third-Party Debt Buyer : XXXX  XXXX improperly transferred the alleged debt to XXXX without informing the consumer of the legal implications, in violation of the Truth in Lending Act ( TILA ). 

Violations by Experian : 1. Failure to Conduct a Reasonable Investigation ( FCRA Violation - 15 U.S.C. 1681i ) : Despite receiving multiple disputes regarding the validity of the XXXX account, Experian failed to conduct a proper investigation to verify the accuracy of the information. 
XXXX. Reporting Inaccurate Information ( FCRA Violation - 15 U.S.C. 1681e ( b ) ) : Experian continues to report the XXXX XXXX XXXX account, even though the debt has not been validated by XXXX. 
XXXX. Failure to Mark the Account as Disputed ( FCRA Violation - 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) : Experian failed to properly flag the XXXX account XXXX disputed, as required by the FCRA.