23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My issue is that I am being contacted by a company that is not bonded to work in my state. This is illegal and I will sue them. I've asked them to stop contacting me but they have not. Instead they filed on my credit report and they can not legally do that because they can not legally work in my state without being bonded. I need this removed from my credit. 
The company is National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows 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 reporting

I needed to get a free copy of my credit report and visited XXXX of the major credit report company 's ( Experian ) website on XXXX XXXX, 2015 and wanted to print out my credit report. I was requested to create an account ( which I did ) and then followed the instructions to get my credit report. I was charged for XXXX for my report. So far is fine. 
However, when I checked my bank statement for the month of XXXX I saw that my debit card was charged {$21.00} on XXXX XXXX. When I created an account I was not informed that I was buying a paid membership. Also, I did n't receive any payment receipt from this company. If I received a receipt, at least then, I would know that I bought a membership! I called the company, explained the situation and asked for a refund ( on XXXX XXXX ) but they refused and the customer representative on the phone told me that everything was on the Terms and Condition document that I agreed online! There was a 7-day trial period that I could have cancelled my membership and it was too late he said. 
Now I believe that Experian ( although known as XXXX of the XXXX major credit report companies in the US ) is not doing ethical business itself so how can I trust this company for my credit report. Also, I am going to dispute some information on the report they provided me with. 
I just request a refund from this company for the amount they charged on my debit card. 
Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, XXXX is lying about doing a proper invistigation.
Product: Credit card or prepaid card

I purchased a Netspend pre-paid Visa debit card on XX/XX/22 in the amount of {$500.00}. All that was required at the time of purchase was a state issued photo ID and the payment. I activated the card on the netspend website and verified that the account had {$500.00}. 
I wanted to make certain the card really worked, so I attempted using it at a convenience store and it didn't work. I then tried a restaurant and it was declined. 
I called Netspend and they stated it was locked due to " suspicious activity. '' I would hardly call a gas station convenience store and {$30.00} restaurant bill suspicious. I verified that it was me who was using the card and they still redused to unblock it. Netspend then made a request for my photo ID to be sent to them via text message. That seemed strange and I asked them why I had to do this. At that point they said I had to email the photo of my ID along with my Social Security Card and proof of my address. I refused. For one, most people won't be able to do that. Secondly, their claim of " suspicious actiity '' is arbitrary. Three, the are asking for unnecessary personal information that no bank asks for and placing a hardship on the customer by making such requests. 
Netspend has a pattern of doing this in the past to customers. They now have {$500.00} of mine and I have no leverage to demand access to my own money.
Product: Bank account or service

Seterus is the mortgage loan servicing company to which I send my monthly payments. My payments are always made within the first week of each month and are " posted '' to my account within 3 to 5 days. However, my payment of XXXX 2015 took 15 days to be posted to my account. The company charged me a late fee with the following month 's statement. Instead of paying that fee, I sent them a letter with a copy of my cancelled check showing how long it took THEM to process it. I received no response at all from my letter, until the late charge appeared on my most recent statement again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account XXXX XXXX : # XXXX, Account 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by Equifax. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXXXXXX   ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. 

I am now having the same problem currently trying to get my credit report from Equifax. Upon calling them this time ( XX/XX/XXXXXXXX  ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX XXXX XXXX XXXXXXXX. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to XXXX XXXX XXXX member services ( XX/XX/XXXXXXXX   ), and was told to call Equifax because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I placed a security freeze through the automatic phone message system. I had placed it with the other 2 bureaus online where they allowed me to set my PIN. I had to do it through the phone as the automatic phone system didn't let me speak to anyone. I kept asking the automatic phone system to let me speak to someone and get a PIN before freezing, but it never did. Once I froze my account it didn't give me any PIN. 

I tried calling over and over and the automatic phone system kept saying it couldn't connect me to anyone unless I had a very specific reason. 

I created an account several times because the account was marked as " created '', but I never received an email and I could not log on. When prompting a password reset, the website said I didn't have an account. 

When I was finally able to speak to a customer representative he said to wait a day to try again as my account had been " locked. '' I tried calling again and the customer representative said there was 4 different " inactive '' accounts and that my PIN to unfreeze my account was sent to the email of my last account creation which I never received.

I'm concerned that their website allowed me to create 4 different accounts and 3 of them with the same email. Their system never sent any confirmation email or an email with the PIN. 

I ended up talking to XXXX, a person who claimed to be a supervisor in membership department and she was extremely rude, lied several times about what could be done and about me not having an account, and did not fix my issue with the account and refused to answer any questions, did not escalate any issues to tech or IT, and refused to fix my issue with the account.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name XXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 Section 602 A4. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 is inaccurate.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts 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: Money transfers

I transferred {$300.00} from Chase quick pay to My sister 's XXXX account by using her phone number as an identification. She got the message that the money will be deposited and the confirmation number. However, she never received the money. I talked to Chase, and they said the money was deposited to a XXXX account which was not my sister 's account. XXXX said my sister registered her phone number after the money was transferred, so the money was deposited to another account. Is n't the money supposed to be in transit if the phone number was not registered and will be kicked back to my Chase account? My sister has been using this phone number for 3 years. So her phone number could be stolen. And now XXXX has no way to chase back the money. This is absolutely unfair to me. XXXX does not even take my claim. I claimed with Chase, however the dispute was not successful since they can not connect to the person who has the money. If they tried to called the person, then my sister could get the phone call, but she never did. So i am wondering if XXXX really tried to connect the person who gets the money and helped me chase back the money. The service of XXXX was really really bad.
Product: Credit card or prepaid card

XX/XX/2023 a late payment was issued and Suncoast Credit Union did not walk me through to setting up automatic payments. In audio transcripts since XXXX no one has walked me through a process that is not easy. The procedure is very difficult to do and they never said it involved me NOT logging in to set up automated payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

I have tried several times to have Credit Acceptance review the car loan listed on my credit report. They have failed to do so I have submitted proof several times the car loan was not mine. They still will not resolve the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Accounts ( XXXX ) Request for Removal Based on FCRA Violations and Identity Theft Protections Dear Sir/Madam, I am writing to dispute the charge-off account listed on my credit report, which I believe is being reported in violation of federal law. Specifically, I am requesting the removal of the account that has been marked as XXXX and reported as XXXX ( Cancellation of XXXX ). Upon review, I believe this account may have been reported erroneously or is the result of a data breach and/or identity theft. I am invoking the provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2, and 15 U.S.C.

1681c-2 ( c ) ( a ), as well as Metro2 compliance standards, to request the immediate investigation and removal of this account. 
The Details of this Account are listed below : - XXXX XXXX XXXX  ; Opened on : XX/XX/XXXX ; Under the Account Number : XXXX ) Attached is a formal dispute letter detailing this matter along with a copy of my passport and ssn card
Product: Credit reporting or other personal consumer reports

My Credit and information have been improperly used, and I received a Hard Inquiry on my credit report from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number:XXXX**** Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Synchrony Bank ( SYNC ) has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Synchrony Bank ( SYNC ) is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Product: Checking or savings account

i got a loan of {$20000.00} from you all and {$19000.00} was taken out of my account.I tried to screenshot it to save but the history vanished from the account and the money was taken off without saying so in the transaction history.It was as if there was some glitch in the system.I need help with this problem immediately.My email is XXXX.I would like to be reimbursed immediately ill send my checking account and routing number immediately.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, 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. 

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 item? 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 


Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

$ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX$440.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Product: Credit reporting or other personal consumer reports

XXXX Jefferson Capital System- {$610.00} Opened ( XXXX ) Actions that were implemented were me informing the agencies that Under the doctrine if XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX. I XXXX presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 
15 USSC 1681c-b never giving written consent to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681-6-C, B is never giving written consent to furnish or obtain my information because that is relating to identity theft. In accordance with the Fair Credit Reporting act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Jefferson Capital System , has violated my rights.