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

Equifax is committing fraud on my credit file, and it is harming me. They are allowing a certain account in the amount of {$77.00} to XXXX XXXX XXXX cellular to reappear on my file, subsequent to having resolved a dispute about the account in my favor, and having stated as part of that resolution, that they deleted that inaccurate account from my credit file. 

In XX/XX/XXXX, I was a non-traditional, XXXX XXXX XXXX studying a post-XXXX XXXXl program at XXXX XXXX University. I own a home in the town of XXXX, Massachusetts, and I paid real estate taxes to the town and the expenses of running the property, on top of tuition, books, etc., at the time. I was not employed at the time. I had a XXXX college savings plan from which I managed, financially, my student life. 
This is prologue and background. 

I had XXXX XXXX XXXX XXXX as my cell phone service provider. I completed my 2 year obligation to them faithfully, not missing a payment. In XX/XX/XXXX of that year, I switched to XXXX XXXX XXXX 's own lower-price subsidiary provider, XXXX XXXX. I took notes during my transition of plans, and I was told by XXXX XXXX XXXX customer service on XX/XX/XXXX, that my final bill of {$77.00} had been paid to XXXX XXXX XXXX, and that my balance to them was {$0.00}. I owed them nothing in other words. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX had referred this same amount to a collection firm, XXXX. 
So I have spent the better part of 2 years disputing this {$77.00} bill -which is bogus and unequivocally not owed-, with Equifax. The other 2 repositories, XXXX and XXXX immediately deleted the inaccurate information from their copy of my credit report, the first time, based on my online disputes in XX/XX/XXXX, and it has not reappeared on their copies of my credit file. 

Equifax, on the other hand, has allowed this account and very same amount to reappear on my credit file. Furthermore, they've done this subsequent to resolving a dispute ( Confirmation # XXXX ) for the very same inaccurate account and amount, in my favor. I hold this documentation from Equifax dated XX/XX/XXXX,  showing that Equifax deleted the item from my credit file. 

So, I am being defrauded by Equifax, and each time they allow this previously-adjudicated-inaccurate-account, and previously-deleted-account, back on my file, my FICO score drops from XXXX ( where it should be ) to XXXX. 

I want something done about this. 

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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX " reported twice '' TD Auto Finance, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my XXXX XXXX, which affects my ability to obtain credit and other financial services. 

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.
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 Name : 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  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: Money transfer, virtual currency, or money service

My complaint is with Global Client Solutions , LLC and XXXX XXXX XXXX XXXX, XXXX. I am from Georgia and Global Client Solutions has withdrawn over {$20000.00} out of my checking account and have helped pay large upfront fees to XXXX XXXX XXXX XXXX. 
1. Global Client Solutions , LLC is not registered in the state of Georgia. 

2. XXXX XXXX XXXX XXXX changed their name from a LLC to a PLLC in 2015, but did not notify the state of GA if the change which is illegal. 
Both companies have scammed me out of my money. 
Look under their names XXXX is out of Michigan Global is out of Texas
Product: Credit reporting or other personal consumer reports

XXXX XXXX account reporting that is not mine.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe 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 im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXXXXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX
Product: Debt collection

2 years ago, I repaired the vent and central AC in my house. XXXX XXXX XXXX, XXXX, PA. 

I arranged auto pay of {$270.00} with this company ( Ally Lending ). So that I can pay off within 18months stipulated interest free. 

XX/XX/XXXX was the day the last auto pay was deducted from my account. Leaving {$35.00} I received a letter dating XX/XX/2023 that I have an outstanding payment of {$1400.00}, which I immediately called back to dispute. 

The representative told me on a recorded line, that since I called within the 7days of the notice, I am allowed to pay off the {$35.00}, and will no longer be liable to pay the {$1400.00} interest. Which I did that very night. 

I was given pay off confirmation Number : XXXX XXXX XXXX. 

But I have since, been harassed, with reminders, emails, and mails. 

I have disputed through emails, and phone calls to no avail.
Product: Checking or savings account

On Thursday, XX/XX/2023 I tried to link my new debit card to my XXXX cellular account and was advised by XXXX the issue occurs from the bank 's end as it is all set from our end but the bank 's server is not permitting us to make any changes. When I contacted Wells Fargo, they advised me that my debit card had been reported as " lost '' and a replacement card was being mailed out to a new address. At that time, I advised Wells Fargo that I did not report my card as " lost '' and I did not provide them with a change of address because I've been at the same address for 9 years. The bank then wanted to verify my home address, and told me that the change of address was different from my primary home address. When I asked Wells Fargo ( Fraud Department ) representative what address were they showing on my account, they stated that they were not at liberty to give me that information. I eventually went back into my Wells Fargo account online and checked the 'Alert History ' and saw that my account was showing a XXXX , New York address as my new address. I've never lived in XXXX, New York, I live in XXXX, GA. Wells Fargo eventually cancelled the new debit card going to the XXXX , New York address, but were unable to tell me how this happened. 

In addition, I received a text from Wells Fargo on XX/XX/2023 that a New XXXX recipient XXXX was added to my account. I do not know anyone by the name XXXX and I immediately went into my account to remove him from XXXX. 

I am writing the CFPB to file a complaint and to also request an investigation, as to how this could possibly have happened. The thought that a new card was being issued with my name, and being sent to a new address disturbs me, because had I not contacted Wells Fargo in time, once the new card arrived at this scammers address, they could have wiped out my entire account ( s ). Any assistance that you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/22 I received a text message from Huntington Bank stating that my account had been XXXX and included a link to " restore '' the account. 
The text came from XXXX The link is to : https : //huntington.comXXXX I do NOT have any accounts with this bank. 
I have not clicked on the link and will block the phone number the text came from.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report.

I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, XXXX, and XXXX ) : Self Financial/Lead Bank **Account Number** : XXXX **Discrepancy** : The status of this Account on XXXX says and paid closed. {$530.00} written off. But on XXXX the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/year> on XXXX. On XXXX the status Updated says XXXX 2024 but on XXXX the status update says XX/XX/year> the balance Update doesnt have a date on XXXX and on XXXX XXXX balance update is XX/XX/year> but on XXXX XXXX balance Update is XX/XX/year> and the Address to Self Finanical/Lead Bank is different across all 3 Credit bureaus. 
This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected. 
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The creditor calls multiple times a day on an emergency line to our company 's alarm monitoring center. They have been asked to stop calling and remove the number from their call list. They responded that they " can't do that ''. When a supervisor was requested, they responded " there is not one here ''. When asked to be transferred to their supervisor 's voicemail, they responded " supervisors do not have phones at their desks ''. 
Last employee spoken to ( on XX/XX/2019 ) was " XXXX ''.
Product: Credit card or prepaid card

on XX/XX/XXXX- XX/XX/XXXX, i was involved in a scam. that morning of XX/XX/XXXX, i logged into my XXXX account and it said that i had been victimized, for lack of a better word, and that all my account info had been stolen. immediately i XXXX for a number to call XXXX and resolve this. i have since been told that XXXX does not have a listed phone number. but, when i XXXX the number came up as XXXX. i immediately called the number and spoke to a man, XXXX XXXX , at ext. XXXX. he told me yes, my account had been hacked and that i had 115 trojans showing. he also told me all my credit card info had been hacked, as well as my bank account, etc. i have to tell you i was scared to XXXX. i am a single XXXX year old vetran living on social security XXXX and i was shaking. he told me XXXX had a resolution for this problem. he told me i would need to buy {$300.00} worth of XXXX XXXX cards and they would be used to handle the cost of restoring my firewall and no one would be able to hack me again. he assured me the money would be refunded by XXXX within 5 to 7 days. i went to my XXXX XXXX and purchased the cards. he stayed on the line until i returned home and read him the numbers off the XXXX worth of cards. he then told me it would take 12 hrs. to restore all my accounts and to call him the next morning. the next morning i called and he announced that we were halfway there. he then told me i would have to purchase an additional XXXX worth of cards and read him the numbers off the cards. again he waited on the phone while i read off all the numbers. he told me to rest assured that XXXX would be refunding me the money. while i was waiting on hold, pictures of the actual XXXX  operations bldg. were shown i guess so i would feel safe. at this point i questioned him again about the refund and again i was told this was how XXXX took care of hacker problems. in his next breath he told me i would have to get an additional XXXX worth of i tunes cards to continue. i told him i could n't and he got nasty with me. it was then that i thought i may be being scammed. i told him i was going to turn him into the bbb and he laughed. i hund up and immediately called both credit card companies that i had used and told them what had just happened. i was told by the first to rest assured that i was covered and was not liable. not to worry. the second credit card company told me to wait 5 days and they would handle it, again no worries. so i believed i was ok. both credit card companies have since told me there is nothing they can do and that i 'm responsible. i am just sick over this. the other man i talked to was XXXX XXXX, XXXX id # XXXX, XXXX. the next man was XXXX XXXX at ext. XXXX when i tried to call them back i got a recording that the number was no longer in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, equifax I just received my investigation results. Report XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 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 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 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 XXXX XXXX
Product: Debt collection

There is a negative credit report due to an alleged 10+ year old XXXX XXXX overdue bill of {$550.00}. I have not had a XXXX account in over 10+ years minimum. Ive tried resolving with XX/XX/XXXX directly via phone and online and also with XX/XX/XXXX and XX/XX/XXXX with no success. This alleged overdue balance is over 10 years old, minimum. This is ludicrous that an alleged balance that is over 10+ years has just recently been placed on my credit report. It severely past the statute of limitations and with any research this can be verified. I have not received any literature or a " Validation Letter '' regarding this for clarification or to directly dispute/resolve with XX/XX/XXXX 

The credit report on XX/XX/XXXX and XX/XX/XXXXis under the company of IC Systems and was opened XX/XX/2019 and as mentioned is already on my credit report and has already impacted my life negatively. I am also contacting the other Federal and State corresponding departments to file reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to block my dispute of the account listed on my report as National Credit Systems account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and XXXX will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If XXXX  really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.