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

I have been contacting Equifax since XX/XX/2020 in regards to not having access to my.equifax account. I have performed a factory reset on my unit thinking the issue was my computer. I have reached out to my internet carrier and the issue is with Equifax. I last spoke with a representative on XX/XX/2020 she assisted me with doing a password reset. I was still not able to login. She then asked for my password so that she can login from her side, this information was given to the rep and she said that she would create a ticket for the blockage and that I would hear back from someone within 3 business days or be able to login to my account. I have not heard back from the company by any form of communication and still have not been able to login. I have information that is reporting incorrectly on my credit report and have to upload supporting documentation and do not have access to my account. Equifax is now demanding that I upgrade to a monthly paying subscription in order to view and make changes on my account. My information was compromised as a result of their data breach and now I can not access myequifax to view my free account.
Product: Debt collection

They too are contacting my grandmother constantly and Wont stop. She tells them I dont live there and they still wake this elder XXXX old woman up every morning. Its been almost XXXX. Can you please help me in stopping them and removing this from my report. Its getting crazy how many times a day they call
Product: Money transfer, virtual currency, or money service

Venmo closed my account with over {$2000.00} in it and wont allow me access to remove funds from my account
Product: Money transfer, virtual currency, or money service

In XXXX, in a rush to launch Zelle to compete with other peer-to-peer money transfer platforms, the owners/creators of Zelle failed to safeguard the Zelle network from fraud and other defects which resulted in personal information, privacy and financial exposure. This is a violation of CFPA prohibition on unfair acts of practices by failing to take timely, appropriate, and effective measures to prevent detect limit and address fraud on Zele.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine
Product: Credit reporting

According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

The XXXX Credit Bureau is reporting inaccurate information on AARGON COLLECTION AGEN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

On XX/XX/XXXX my card and money was comprised. In the total amount of {$330.00}. I contacted Money Network in XX/XX/XXXX and reported this matter immediately. Which they indeed closed out the debit card, mailed out a new card which I received and they also stated they will send a dispute form for the transaction amount listed above. After waiting a few weeks I called back in reference to not yet receiving the forms and requested for the forms to be recent out again via mail. After finally receiving both forms a week apart I mailed the first dispute form back via mail and then a week later fax the second dispute form and I was informed a day later after faxing it, that it was received and will take 2-3 days for a provisional credit. Today XX/XX/XXXX makes 3 days and after calling them today. I was told that my account was notated, stating my claim was denied due to inconsistent conflict of information. After researching dozens of complaints from Money Network. This is the claim result that is used/written to deny all claims. I am very unsatisfied with the results as I am a victim and also the length of waisted time this took to only be denied of my hard earned money, which is direct deposited from my employer. This was incident that was not at all my fault and my PIN number and card was compromised. I am requesting for a provisional credit in the amount of my dispute, which is {$330.00} immediately, so I can continue to do business with this company. 

Transaction {$220.00}, Transaction {$100.00}, Fee {$2.00}, Fee {$2.00}
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Bank account or service

I went in to Chase Bank in XXXX / XXXX to open up a business account. The next day, the individual who helped me sent me an email and a text message asking me out. I find this very unprofessional and a breach of data. I am not comfortable going back the bank with this employee still there. I had a friend of mine go to the branch and address this with the branch manager and he was sent a copy of the text and email. When he went back in to the branch and spoke with the manager for an update, he said he informed HR of the incident. I asked if the individual is still employed there and he responded, YES. I ca n't imagine how many others this has happened to where employees are using customers phone # s, emails, etc. and asking them out, using their info for other purposes than banking operations, etc. I can not believe that a company of Chase 's stature allows this to happen and continues to employee this individual. I will be closing all my accounts with Chase. I will also notify others and recommend that they do the same.
Product: Debt collection

I received an attempt to collect letter dated XX/XX/2023 from IQ Data International on XX/XX/2023 and was informed to write to them by XX/XX/2023 to dispute and that they must stop collection on any amount that I dispute until they send me information that shows I owe the debt. I sent a debt verification letter to IQ Data International on XX/XX/2023 via certified mail. I've sent debt verifications letters again on XX/XX/2023 & XX/XX/2023, also certified mail. IQ Data International begin reporting negative information along with interest charges to all credit bureaus with remarks that the account was disputed by the consumer but have yet to prove this debt belongs to me. This negative information is being reported illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I discovered someone attempted to open a XXXX XXXX  XXXX unlimited cash rewards XXXX signature card Ref # XXXX. I notified XXXX and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.
Product: Debt collection

I have a Discover credit card - each and every time a payment is late ( not delinquent, just not on the due date, less than 30 days late ), I receive repeated phone calls almost every day of the week. In the last 3 days, I have received 10 phone calls from them with no messages left. The tactic is harassing and intrusive.
Product: Credit card

In XX/XX/scrub>XX/XX/2019 I registered with Experian for a {$15.00} / month plan to provide security from hacking, scams, identity theft, etc. They billed my credit card monthly. ( See attached record of transactions. ) In XXXX I saw that my account on line with Experian showed that I did not have this paid plan, but the free plan that had no coverage for financial loss. But I had paid for that coverage for 4 years, 9 months. I attempted to contact Experian but could not. So I mailed a return receipt requested USPS letter ( see attached copy ) and received the USPS signed receipt ( see attached image ). I have received no explanation from Experian and they continue to charge my credit card {$24.00} a month for coverage their website does not say I actually have -- only the free plan with no coverage.
Product: Credit card or prepaid card

I booked my airlines ticket through Chase bank for about {$1900.00} for ( my mother, wife and daughter ). 
My XXXX and XXXX holds XXXX passport but have valid XXXX documents. 
My XXXX  is XXXX citizen. 

My family had a flight from XXXX to XXXX ( XXXX XXXX - XXXX XXXX XXXX - XXXX and XXXX XXXX - XXXX  ) on XXXX at XXXX. They had XXXX transfer from XXXX to XXXX, XXXX to XXXX and finally from XXXX to XXXX. They were not allowed to board the plane, reason from airline '' they didnt had transit visa. " Please see attached files. 
XXXX ) Letter from XXXX XXXX ( exempt list for transit visa ) XXXX ) XXXX XXXX website ( exempt list for transit visa ) XXXX ) Below file is a flight details. 

From the XXXX embasy letter it clearly says person having XXXX XXXX XXXX are exempt from transit visa. 

I called my travel agent ( Chase bank ) asking about clarification about visa requirement. They were not aware. So my wife and myself called lots of time at XXXX ( airlines ) and no one responded with proper answer initially ( They said since we didnt booked tickets with them they are not responsible to advise us. After repeated calling someone responded my wife and confirmed we dont need visa. Also i contacted XXXX embassy and they replied saying the same that person holding valid XXXX visa are exempt from transit visa. 

To be on safer side I uploaded all the visa information on XXXX website, if they wanted to deny ; why didnt they contacted me earlier? Saying you can not fly since you dont have proper documents. 

Since they were not allowed to board they had to return to a hotel and they were harassed by taxi driver on their way. This is not fair. I had to book a new flight in emergency which costs me {$5300.00} USD. I would request you to please look in the matter and pay me for all my damages. 

I am asking these because i called XXXX and also my bank ( Chase travel reward ) multiple times with the same question ( requirement for transit visa ) and no one informed us that they can not travel. 

I would request someone to really help me with this request. 

I raised a complain with XXXX ( airlines ) and Chase bank ( travel agent ). Without proper investigation they refused my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.
Product: Debt collection

XXXX XXXX XXXX has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX  to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from XXXX XXXX XXXX stating that one of the accounts was sent to them from Citibank because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send XXXX XXXX XXXX people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that Citibank deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to XXXX XXXX XXXX and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with Citibank since they were the ones who accepted the payments. 
- And then ... I reached out to Citibank but said they couldn't help me because my account was sent to XXXX XXXX for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected XXXX XXXX was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up. 

PLEASE HELP! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and I have over XXXX inquiries from companies I DID NOT provide my information too and I need it removed from my credit report.
Product: Student loan

Hi, I was enrolled in XXXX XXXX College from XXXX to XXXX. Turns out that XXXX XXXX was one of the for-profit colleges. I'm being told a company that goes by XXXX that I can qualify for loan forgiveness and I want to know if this is something you can help me with. They're telling me because of the William Ford act that President Obama passed I qualify because of my income. They want me to pay them a fee are there services and they can have me pay the debt collection agency {$5.00} a month for 9 months and after that my balance will be zero dollars. Please get in contact with me if you know anything about this or there is any help that you can provide. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting different amounts for " charged off '' and " past due '' amounts. Incorrectly reporting reaging account.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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
Product: Money transfer, virtual currency, or money service

XX/XX/2022 : I sent money via zelle to a scammer that claimed they were buying a couch I was selling. They said they deposited {$650.00} in my account, but it was over the limit. They said they had to send {$350.00} and I had to send {$350.00} back to get my funds. 
The email is XXXX that the scammer used.
Product: Credit card or prepaid card

Re : American Airlines Credit Card Acct # XXXX XXXX XXXX XXXX I contacted this company regarding this account as I have not received a statement. 
The person who did not give a name or employee number said the account was closed in XXXX  2018. I have no statement to advise me what if anything, I owe. 
I have no statements for 2018 at all. Please help me get to the bottom of this situation. 
Also any negative information reported to the credit bureau should be deleted. 

XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

They used my information without my permission years ago an I didn't know it, this wasn't on my credit when I signed up with XXXX a year ago. When I looked at the collection it said it was assigned to an attorney, collection agency, or credit grantor 's internal collection department in XX/XX/XXXX for XXXX XXXX which I never signed up for an if I'm not mistaken Timeshares cost way more than {$700.00}. This is suppose to come off XXXX XXXX, it seems their trying to get money from anyone before this falls off! 
THIS DEBT IS NOT MINE, this should be removed from my credit report. 
Please & thank you an have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed ( because the TransUnion website wouldn't let me create a dispute online through my online account ) a credit dispute letter regarding a credit card account that I paid off and did NOT close intentionally because of the age of this tradeline. TransUnion incorrectly closed out the account and this has adversely affected my TransUnion FICO score in XXXX important areas ; XXXX age of established credit and XXXX usage of credit extended. Because of this my TransUnion FICO score is XXXX points lower than XXXX and XXXXThis is greatly hindering my ability as a consumer to shop for and get approved for the best loan products currently available. Additionally, I have no way to find out the status of my dispute. I'm hoping this critical matter will be corrected as soon as possible as it has now been XXXX month since I opened the dispute.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Thank You XXXX XX/XX/2024 TRANSUNION XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

On XX/XX/XXXX I received another letter from select portfolio servicing attorneys requesting the courts gir another sale date while Im still in active review of a modification. This should not be happening at the same time. A sale date that was scheduled for XX/XX/XXXX was cancelled but a new one has been requested on just two weeks while Im still in review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian numerous times to provide how they validated the alleged debt. I have asked Experian to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAN THIS IS REMOVED FROM MY CREDIT REPORT. 

EXPERIAN ARE VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans and they were defaulted because of a car wreck I was in. My family and I were  hit  b   y a drunk driver, r esulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9 c onsecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  XXXX  loan that  XXXX  has told me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports