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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Product: Debt collection

There is a collection item on my credit report. 
I have tracked down the collection atatormey. For the past month I have asked them to provide detail and proof of what I owe if I owe and they say they will mail it. 
I still have not recived any information and on the last call the attorney hung up on me.
Product: Debt collection

On or about XX/XX/XXXX, I tried to open an account with XXXX XXXX in Texas. I was told by the officer that I could not open an account because I owed money to US Bank. The officer told me the exact amount owed to US Bank ( {$74.00} ). I called US Bank and was directed to the recovery department. That department told me about charges in a closed account. I told them that I was not aware of these charges. I asked them to send me a copy of the statement that contained these charges. After I received a copy of the statement, the statement showed that the account had been closed on XX/XX/XXXX and the balance was XXXX. And, the statement showed that there was a debit card transaction on XX/XX/XXXX to which I knew the merchant did not first obtain an authorization from US Bank. If the merchant had first obtained an authorization from US Bank, it would have been denied. The statement showed on overdraft fee and also showed a fee on the account which was NOT listed as a fee on the schedule of fees at the time I opened the account. When I opened the account, I was provided with " Your Deposit Account Agreement '' and with " Consumer Pricing Information ''. I consulted these two booklets and I believe that I have a strong legal case against US Bank. I called the recovery department of US Bank and thanked them for sending me a copy of the statement showing the charges. I was then asked if I was ready to pay for the charges that were due. I said no and stated that I had reviewed the terms of the Deposit Account Agreement and Pricing Information that had been provided me at the time of opening the account and I do not believe the charged are valid. The person in the recovery department said that it was not the correct department to dispute these charges. They directed me to contact the person who opened the account. I still had the business card of the person ( XXXX XXXX ) who opened the account and I called that person on XX/XX/XXXX. That person said that the branch manager was not there that day and that I would have to call the branch manager on XX/XX/XXXX. I called the branch manager ( XXXX XXXX ) on XX/XX/XXXX and she stated that the account was closed and 60 days had expired since the account was closed and therefore I had no right to dispute the charges. I explained to her that I had previously called the recovery department of US Bank and they were asking me to pay the charges. I told her that I believed that I had a legal right under federal law to dispute the charges and that the recovery department of US Bank had directed me to her to discuss the charges. She again restated her claim that I had NO legal right to dispute the charges.
Product: Credit reporting or other personal consumer reports

Please review the statement below that was provided to Equifax on XX/XX/2023 : I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX Your company is in clear violation of the consumer protection laws outlined in 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) and 15 U.S. Code 1692e., THE LAW CLEARLY STATES : 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), reporting during Covid-19, as per this law, in times of declared emergencies, such as the ongoing pandemic, credit reporting agencies are required to update accounts to reflect that payments were not late.

You have failed to meet the requirements of this law, and for that I have submitted a report to the CFPB. 

I assert that the accounts, which is currently marked as late on my credit report, should be updated accordingly to reflect that no late payments occurred during the specified period of Covid-19.

Additionally, I draw your attention to 15 U.S. Code 1692e, which pertains to false or misleading representations. In my view, the late payment entry on my credit report is false and misleading. I have meticulously maintained timely payments for all my accounts, including the one in question. It is disheartening to see this inaccuracy on my report, as it tarnishes my creditworthiness and undermines my financial credibility.

I hereby request that Equifax to rectify this matter promptly by updating the entry for the accounts, to reflect that no late payments occurred during the Covid-19 period, as mandated by 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ). Additionally, I kindly ask that you remove the false and misleading late payment entry from my credit report under the provisions of 15 U.S. Code 1692e.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Money transfer, virtual currency, or money service

A XXXX account, unknown which account, was able to link to my PayPal account ( XXXX ) without needing a password or a pin. There is no indication which fraudulent XXXX account used the account as it does not tell me. When I filed a dispute for PayPal to look into it they instantly closed it stating it was an authorized transaction. 

When I checked my account I had no link to XXXX for preauthorized payments and when I filed the dispute it said it cancelled a non existent link to XXXX. PayPal refuses to help people when this happens or even answer questions as to what account on XXXX this linked to and who set up the link. This is happening to a large number of their customers and needs to be investigated as this is pure fraud.
Product: Credit card or prepaid card

TD bank denied that some charges on my son 's credit/debit card were fraudulent.I tried to resolve it with them and show that my son was at school or asleep when the charges occurred. The total amount is $ XXXX.They said they would send documentation but they did not.
Product: Debt collection

ATTENTION TO PLUSFOUR INC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company PLUSFOUR INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire AN ACCOUNT. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

I keep getting contacted by an unknown " debt collector '' or scammer. As best I can tell from internet searches, the FTC has taken action against a parent company that may include these SCAMMERS. XXXX XXXX out of Maryland is the company I believe to be perpetrating this harassment/scam. 

The FTC had an agreement with them out of case # CASE XXXX FTC and People of the State of NY by XXXX T XXXX AG of NY XXXX They call any and every number I have, and or is associated with me or a relative or random stranger, and threaten to " find me '' " take legal action '' etc. The calls get more and more forceful and demanding and finally threaten THAT IF THEY FIND ME, ALL NEGOTIATIONS ARE OFF ( paraphrase ) and THIS IS THE LAST ATTEMPT ... until we call you next month ... and start the process over again, with the EXACT SAME " case number '' I have no debt that is collectable in CA. I had old debt that expired / was written off, since XXXX. 

They call from XXXX the caller ID says XXXX XXXX CA. 
Call back number THIS TIME is XXXX but in the past has been XXXX I have multiple recordings of their threats of LEGAL ACTION and PEOPLE COMING TO FIND ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts that are mine and they showed up on my report with a different address attached XXXX. XXXX XXXX XXXX. Extra account and XXXX. Citibank account .These accounts are not mine and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I original sent a letter on XX/XX/21 to Experian regarding child support. First off this account with child support has already been paid in full and is past the SOL for reporting. And Experian is even reporting a negative payment history which is damaging my report Im requesting deletion of account l. I even sent a follow up letter and still didnt receive response
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/year> 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 inquiries 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: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items 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 verifiedthat these items are being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I made a partial payment on my loan last month USAA auto loan and the young man asked me when would I be able to pay the remainder of the loan I explained to him that I was looking for the funds to come to me within a week or two he gave me a date I said yeah probably around that time he in  return takes and makes that date the date to have the money withdrawn from my account which I did not come out my mouth tell him to take this money out of my account on this date which caused me {$28.00} over draft fee. I tried to dispute it and they refused dispute. Now they are charging me other {$28.00} for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

I received notice that my account was to closed immediately due to gambling ( activities that violate the terms of service ). I feel they are confusing my account with someone else but no one will talk to me ; I only get auto messages. This card helps me to provide financial help to my family members. I really feel that I am being discriminated against for no apparent reason. If I did something to violate their terms they should provided details if requested.
Product: Credit reporting or other personal consumer reports

Equifax has continued to report that is not mine. Equifax shows a closed account from XXXX XXXX. I have sent several letters to have this account removed from my credit report. My Equifax information was part of the data breach and my personal. I demand that this account be removed immediately. XXXXXXXX XXXX account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the large % of American Citizens that 'may have been impacted ' by Equifax 147m person data breach.
This is a massive dereliction of responsibility ( legally and professionally ) to encrypt, protect, and secure PII data for over half of the population of the US. Additionally, their response has been comically limited to offering me a limited time offer of 'free ' identity theft monitoring services for 1 year. This is ridiculous on 2 fronts : 1 ) It 's only 1 year and they 've publicly offering it. Identity Theft attackers will just sit on this data for 1 year before leveraging it in anticipation. It 's a band-aid on a bullet wound 2 ) It becomes a paid product after 12 months. I am essentially opting in to being actively marketed and sold to because of their incompetence. My choice to not purchase this product has been removed because of their incompetence.
There are multiple ways I can defend myself without their shoddy marketing efforts, including putting a 90 day initial fraud alert on my account, requesting and disputing my credit report, and offering FREE credit/security freezing set up for their Bureau. The fact they do n't highlight any of these solutions and how they may protect me is laughable.
When faced with a major data breach, they punt on providing actionable advice to consumers and instead use it as a marketing opportunity. It 's disingenuous, thoughtless, and borderline criminal to sell their snake-oil in the face of a major Identity Theft breach.
Product: Debt collection

On XXXX, I called Medicredit to informed them that company has not filed with the second insurance company the Lady refuse to help fix problem. I have reached out to billing company twice to let them know that they have not filed with the second insurance company but hae had no luck with getting it taken care of. I was told by the Manager to talk with the Doctor on XXXX to have them fix it. I tried to explain to Medicredit but the lady refuse to talk with me unless I gave her my work information.
Product: Credit card or prepaid card

An ad. of XXXX which offering free gift to anyone if he/she completed the survey with them online in XX/XX/XXXX. This company 's products XXXX XXXX XXXX XXXX XXXX showed up on the list as gifts to offer for free. Customer just paid for shipping and handling. My cousin, XXXX XXXX, borrowed my credit card and paid {$6.00} for shipping and handling for the above 2 products. After that he didn't order any more product, but on XX/XX/XXXX this company imposed 2 charges one {$110.00} from XXXX and the other {$110.00} from XXXX totally {$230.00} and the money was withdrawn from my credit card account. 

I have read the BBB 's report that these group of people have engaged in illegal activities. They have used alot of different names and phone numbers for cheating like XXXX XXXX XXXX XXXX, XXXX XXXX XXXXr, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXr XXXX XXXX, ... .and a lot more with ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ... and more. 

I had reported and argued with the Chase Card agents that they'd wrongly used my account to pay for this cheating group of people while mine and my cousin 's name were different. The card agents said they would try to ask the cheating company for a refund. However, after more than a month of dispute between them, on XX/XX/XXXX I received a letter from Chase said that the charge from the cheating group was valid!! 

I called Chase on XX/XX/XXXX with the number they gave XXXX XXXX XXXX XXXX in order to dispute what they said, but they just let the answering machine running. I had been waiting for more than 103 minutes from XXXX A.M. to XXXX P.M. no one picked the phone up.
Product: Checking or savings account

They are closed my account and did not sent me my cashier check
Product: Credit card

My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted a formal dispute to the credit reporting agencies regarding several inaccuracies on my credit report, including accounts that do not belong to me and unauthorized inquiries. On XX/XX/year>, I received a response from them notifying me that most disputed items remained on my report, despite my request for verification under the Fair Credit Reporting Act ( FCRA ) requirements. The response did not provide the " method of verification '' ( MOV ) for these items, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that Experian explain how it verified the disputed information and from whom. 

I continued to request proper validation of the disputed items, citing my rights under the FCRA. However, the reporting agenices have yet to fulfill my request for the XXXX, nor has it provided documentation proving the accuracy of the disputed accounts and inquiries. To this date, Experian has not removed the inaccurate information from my credit report, which continues to impact my creditworthiness. 

In summary : XX/XX/year> : Original dispute submitted to the credit reporting agencies. 
XX/XX/year> : Agencies notified me that the disputed items remained, without providing the required MOV. 
Follow-up requests for proper verification and removal of unverified items have gone unanswered. 
I am seeking assistance from the CFPB to hold Experian, XXXX, and XXXX accountable to FCRA requirements, ensure the disputed items are thoroughly investigated, and, if unverified, removed from my report.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my XXXX consumer report I noticed there was a total of ( XXXX ) unknown and unwarranted and non permissionalble inquiriesXXXX inquiries that I didn't recognize nor have a open account with. After speaking to a representative from XXXX they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.