23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax has ignored my disputes for far too long, and I have had enough of its blatant negligence and disregard for my rights. I have provided clear evidence and repeatedly disputed the false and inaccurate payment history on my credit report, yet Equifax continues to recklessly report incorrect information. This is completely unacceptable and has caused me unnecessary harm, financial distress, and ongoing frustration. Under 15 USC 1681e ( b ), Equifax is legally required to ensure maximum possible accuracy in the information it reports, yet it has utterly failed to meet this standard. I am done with the excuses, delays, and outright refusal to follow the lawI demand immediate correction of these inaccuracies! The law under 15 USC 1681i explicitly requires Equifax to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. Its repeated and deliberate failure to do so proves beyond any doubt that it has not conducted a real investigation. If Equifax had done its job properly, this inaccurate payment history would have been deleted a long time ago. Instead, it has ignored my valid disputes, showing either gross negligence or willful noncompliance with federal law. Furthermore, under 15 USC 1681b ( f ), Equifax has no legal right to report or share false and damaging information without a valid permissible purpose. This fraudulent payment history is tied to inaccurate and reckless reporting, meaning it should have been removed immediately. Its continued refusal to fix this issue makes it fully liable under 15 USC 1681n for willful violations and 15 USC 1681o for negligent violations. This is not just a simple mistakethis is a blatant, repeated, and reckless violation of federal law and a complete disregard for my rights as a consumer. If Equifax does not take immediate corrective action, I will escalate this matter further and pursue every legal remedy available to hold it fully accountable for the harm, damages, and stress it has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed disputes to all 3 credit bureaus. XXXX, EQUIFAX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.
Product: Credit card or prepaid card

Dear Sir/Madam, I have made a purchase for a service from XXXX XXXX XXXX XXXX on XX/XX/2018. The company did not provide me the service i.e. move my items from XXXX to XXXX XXXX to my house and lost a lot of items. I tried reaching out to XXXX XXXX but they are not picking up my call. Upon not receiving the promised service, I reached out to discover to raise a dispute ( reference number - XXXX ), but the company sided with the merchant despite all the evidences I provided. 

I did provide them a copy of contract that clearly states what was expected of the move and also the picture that I did not receive the service as promised.
Product: Credit card

Synchrony Bank closed an account for inactivity. They claimed they would not reopen the account anymore. Indicating at XXXX time they would be able to. The account is listed on my credit check as closing XXXX, it is only 3 days later XXXX. 
Tires are not a constant purchase, to be actively using the card. If it were available to use for fueling it would have been actively used. 
This is not the first account the sham of a bank has closed for inactivity. XXXX account, again you are not constantly purchasing furniture. XXXX XXXX which was being used at least once a year. 
They suggested I reapply, assuring me I would be approved. I asked them why would I do so and take a hit to my credit score to have the account closed again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting agency everything on my credit report is supposed to be 100 % accurate ..The credit bureaus stated my account was properly investigated but how is that possible when the date open is inaccurate.last payment is inaccurate. Account type is inaccurate. This is grounds for removal they have violated my rights .I sent a dispute for the following accounts and they came back as updated and verified which does not explain how these inaccurate accounts were proved to be verified. I was part of the cfpb data breach. This is why my accounts are coming back verified which is not. Please show me proof how these accounts are verified or delete these accounts from my consumer report. The law clearly states 15 Usc 1681 section 602A I have the right to privacy Law 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions Please delete these accounts from consumer report XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  XXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has inaccurately reported a debt on my credit report. The only agency who stubbornly refuses to remove it is EQUIFAX. On my initial dispute, I advised them I have NEVER been a patient of XXXX Hospital. However, they claim they contacted the Collections Agency and they verified the item belongs to me. How can I be taken to Collections by XXXX Hospital if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by Equifax. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX and XXXX " META '' have allowed a scammer to make a META accountwith my name, which allowed them access to my personal XXXX XXXX XXXX XXXX ( XXXX XXXX ) and they are running bit coin ads to deceive my XXXX friends that i manage a bit coin company to maximize clients profits. They want my friends to XXXX them so they can get access to theiraccounts and steal their money. Sometimes i can change the password and get in to my account briefly to take down their ads and fraudulent impersonating stories on my XXXX. I have a screenshot i can share of proof. But i cant 100 % remove the hackerbecause he has two factor authetnication on my profile and somehow got it verfied that its him/her. They also removed my login access from all my computers and phones and removed my original email ( XXXX ) in leui for their email ( XXXX, & XXXX ). not to mention they have hacked into my personal XXXX and changed my apple settings so they could get copies of my texts through XXXX. XXXX isnt secure for the record, but i have enabled XXXX on my XXXX since then. This started in XXXX XXXX XXXX when i had a unknown login attempt from XXXX. I live in North Dakota, neverbeen out of north american. They also are logged in from a PC on a meta account in XXXX, WA. I cant un-log them in without a META passowrd which has to be reset via XXXX. I am suffering from Lack of XXXX assistance from a real person to disable this account, i even paid XXXX $ a month for premium access to supportteam and they did nothing.It is embarassing and slandering my professional name, notto mention the tens of people contacting me about bitcoin buisness and its not true i dont even own bitcoin.
Product: Credit card

On XX/XX/XXXX, I purchased XXXX mattresses, a bed frame, and XXXX apparatuses to move the beds up and down from Macys. The items were delivered to me in XXXX of XXXX, and were promptly returned to Macys in XXXX. Macys and Citibank did not properly credit my Macys credit card for the returned merchandise. I spent months calling Macys, trying to correct their error ( s ). 
On XX/XX/XXXX, after numerous calls and letters, I sent a letter to Macys disputing charges on my Macys credit card account. On XX/XX/XXXX, Macys responded and failed to correct their billing error, and failed to remove negative information from my credit report, and continued to charge interest on the account. After receiving Macys erroneous response, I sent another letter on XX/XX/XXXX, hoping Macys would correct their mistakes. Instead of correcting these errors on my account, Citibank is suing me for a balance I don't owe in the amount of {$3100.00}.
Product: Checking or savings account

On the night of XX/XX/year> my phone and Wells Fargo debit card were stolen around midnight or shortly thereafter following a wedding in XXXX XXXX, LA. As of XX/XX/year>, {$10000.00} had been fraudulently transferred through atm withdrawals and XXXX XXXX  transfers summarized in the attached document. 

The initial Wells Fargo fraud case was denied on XX/XX/year> and an appeal to this decision was started on XX/XX/year> with expected resolution on XX/XX/year>. I did not receive any communication with instructions on how to submit information to my case reviewer until XX/XX/year> despite reaching out to request the information on XX/XX/year> and XX/XX/year>. In addition to delayed communication, conflicting information was provided by Wells Fargo associates over the phone who indicated the initial decision on XX/XX/year> was final and there was XXXX XXXX to appeal. This contrasts with the in person branch associates who were very helpful and able to help me initiate the appeals process on XX/XX/year>. To date, I has not received a response to the questions included in the attached document or a resolution to the appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX credit inquiries that were not authorized or I have NO IDEA WHY THEY ARE ON MY REPORT. They have made my credit score drastically decrease.
Product: Debt collection

I want to file a complaint with the company XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : Bank of America. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT BANK OF AMERICA ''. 

However, Bank of America already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to XXXX XXXX XXXX in XX/XX/XXXX. 

The resolution I want is for XXXX XXXX XXXX to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.
Product: Credit reporting or other personal consumer reports

Experian is reporting inquiries on my credit report that I did not authorize nor provide consent for access to my credit report so I am requesting immediate removal. Inquiry details are 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 XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry is a direct violation of my consumer rights under the following laws : U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations. 15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed. 15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted. 15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. Thank you for your prompt attention to this matter.
Product: Student loan

I am enrolled in the extended graduated repayment plan. On my Nelnet account, the dashboard says my monthly payment is {$230.00}. On the repayment option page, it lists that the monthly payment for the Extended Graduated plan would be {$140.00}. The repayment schedule also shows a total of {$230.00} with only 162 payments ( XXXX years ), even though I am in the plan that would allow up to 300 payments ( 25 years ). I have reached out to Nelnet 2 times, on XX/XX/23 and on XX/XX/23 and both times the agent agreed this payment amount is wrong and that the loan would be re-disclosed and the issue would be fixed. However, nothing has been updated.
Product: Credit card or prepaid card

This is a slightly complicated issue, so bear with me : I had a XXXX XXXX years ago through Barclays Bank. I paid off the balance and closed the account back in 2018, and destroyed the card. XXXX balance, closed account. 

Sometime this summer, Barclays accidentally mailed us a check for {$2800.00}. We thought it was related to something else that we were working on, a different transaction with a different company. We deposited the check and directed the funds to an expense. 

This Fall, in XXXX, Barclays informed me that there was an error, and that they were placing the erroneous balance of {$2800.00} that we were accidentally sent by them, onto my closed credit card account. The closed credit card account now has a balance of {$2800.00}, and less now since we have made one payment through Barclays website. The balance has a high interest rate. We would like to use one of our ZERO interest cards to move the balance away from Barclays, and again, have this account eliminated. 

Here 's the problem. We only have the last four digits of the credit card, even when we go into Barclays website to make a payment. We can not do any kind of balance transfer unless we have the entire credit card number, expiration date, and security code. We have none of this information. We can only make payments. 

I called Barclays today and requested that they 1 ) reopen the account and send us a new card or 2 ) provide us with the information associated with the credit card or 3 ) provide us with some other way to access this account so that we can move the balance somewhere else. Even after escalating to a supervisor, I was told that they can not help us with my request. I was informed that the only option we have is to make payments to the currently closed credit card account that now has a balance on it. We get no statements, we have no credit card number - only the last four digits of this credit card that we paid off, closed years ago, that now has a new balance on it because they accidentally mailed us a check for {$2800.00}. 

Listen - My wife and I have no problem with paying back money that we mistakenly accepted, even if the check was sent to us by accident. I am only asking for a way to have full access to this closed account so that we can apply a different payment solution than simply paying them payments on their website, with their ridiculous interest. Frankly, I believe they are scamming us a bit by forcing us to pay their interest and not reissuing a card. It's a closed account. Why were they able to put a balance on it, but they can not give us access to the account information?? That is really XXXX. 

I hope you can help us resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax and I asked them to verify how they got there information to list on my credit report. They sent me a letter stating that they got there information from XXXX consumer center. Therefore, I sent a letter to XXXX and upon them looking at my report they have removed this information that they were reporting wrong. I will attach the letter from them and I hope that you all will follow there lead. I hope that you don't send me a letter back claiming that you all got this information from pacer or the courts because I have also attached letters from them. I also attached the letter you all sent me claiming that you got your information from XXXX.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased an item on XXXX XX/XX/2018 for {$200.00} The item description stated that the item worked even without a specific part. It did not work without the part. I showed that it did not work with out the part and the seller agreed that I was correct ; that it didn't work without the part.

I went to Paypal for a remedy because the seller would not agree to return the product for me. I showed PayPal the evidence : 1. Seller description stated that the product worked without the missing part.

2. It did not work without the missing part 3. That the seller agreed in writing that it did not work without the part.

PAYPAL is in VIOLATION of their USER AGREEMENT by then stating that they could not uphold due to the description being accurate.

Obviously they just ignored everything that was sent to them and hoped it would go away.
Product: Vehicle loan or lease

I sold my car to XXXX on XX/XX/XXXX. When I sold my car to them, I sold it for {$22000.00}. I still owed {$20000.00} to XXXX bank so XXXX wrote me a check for the difference that day ( {$1800.00} ) and planned to disburse a check to XXXX for the remainder of the loan. I had an upcoming payment on the loan that XXXX advised I pay and I ended up ( by accident ) paying {$1500.00} towards my car loan before XXXX sent their checks. 

On XX/XX/XXXX, XXXX sent XXXX checks to XXXX bank to cover the balance of my auto loan : Check # XXXX In the amount of {$20000.00} and Check # XXXX in the amount of {$24.00}. I tried to request that XXXX sends copies of these checks, but didn't have luck other than getting the check numbers. 

XXXX bank only records receiving a check in the amount of {$18000.00} on XX/XX/XXXX. XXXX bank has told me on multiple calls that I should not expect to receive a refund for any overage received because XXXX bank does not record receiving an overage. Given these amounts, there is still an outstanding amount owed to me, the consumer, of roughly {$1500.00}. 

I believe that I am owed a refund for the overage received by XXXX bank. XXXX claims to have records of sending the correct amounts. I have talked several times with XXXX bank and they asked for the check reference # s to be sent to XXXX, which I sent on XX/XX/XXXX and still have not heard back. Each time I call is increasingly unhelpful. 


Here are my references for this case at XXXX bank. 
XXXX Account # : XXXX Request # : XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and have unauthorized inquiries reporting on my report.. 

Please see attachment
Product: Credit card or prepaid card

STOP SENDING ME RECEIPTS FOR CHECKS!!!!! THEY'RE COMPLETELY USELESS!!!!! I NEED AN ACTUAL CHECK FOR THE MONEY YOU OWE ME WHICH INCLUDES THE {$15.00} XXXX XXXX CHARGED ME FOR THE ONLY CHECK YOU DID SEND AND ILLEGALLY STOPPED PAYMENT ON!!!! I SHOULD NOT ALSO BE OUT {$15.00} BECAUSE YOU ALL ARE COMPLETELY INCOMPETENT AND ILLEGALLY STOPPED PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!!! HOW CAN A BUSINESS THAT'S SUPPOSED TO BE RESPONSIBLE FOR PEOPLE 'S MONEY BE RUN BY A BUNCH OF PEOPLE WHO ARE SO COMPLETELY INCOMPETENT!!!!! YOU HAD A ROBOT CALL ME THAT WAS COMPLETELY UNINTELLIGIBLE!!!! YOU SENT AN EMAIL I COULD NOT OPEN OR READ!!!! YOU SENT LETTERS WITH NO NAMES OF ACTUAL PEOPLE TO CONTACT!!!! WHAT THE XXXX IS WRONG WITH YOU ALL???? I HAVE DONE NOTHING WRONG EXCEPT OPENING A CREDIT CARD TO USE WITH XXXX WHICH IS ALSO RUNNING MULTIPLE SCAMS AND STEALING MY MONEY!!!! I WANT MY {$50.00} RETURNED TO ME VIA ACTUAL CHECK IMMEDIATELY OR YOU'LL ALSO OWE ME INTEREST AND COURT FEES!!!!
Product: Debt collection

I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which PNC BANK has not responded and XXXX continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.
Product: Debt collection

I have recently checked my credit and discovered a fraudulent collection account is reporting in my credit report. I am a victim of identity theft and XXXX XXXX XXXX ( ACCOUNT NO : XXXX, ORIGINAL CREDITOR : XXXX XXXX ) ACCOUNT is a fraudulent account. I have no knowledge who opened this account because I have never let anyone to use my personal information to open any account for any purposes. Please help me to resolve this problem.