23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This goes to TRANSUNION and XXXX, my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you both and ATTORNEY GENERAL office a letter saying inparticular XXXX XXXX CREDIT CARD was owned and started by XXXX XXXX in XXXX, I was an authorized user only in XX/XX/XXXX-XX/XX/XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you both, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX XXXX not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both TRANSUNION and XXXX are in direct violation of conspiring to embezzlement with XXXX XXXX by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling TRANSUNION and XXXX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX XXXX was removed you allowed them to go bank on costing me over XXXX points in XXXX week combined with both crediting companies. I Am building a huge case against XXXX XXXX for several other issues, if TRANSUNION wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to ATTORNEY GENERAL OFFICE in which they were sent the 30 day compliance letter over 50 days ago. I suggest TRANSUNION and XXXX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX XXXX CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost TRANSUNION and XXXX XXXX dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX XXXX is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan.

ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.
Product: Credit reporting or other personal consumer reports

Spoke experian on this home agent refused to also add the XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX that is missing off my experian file besides the XXXX XXXX XXXX XXXX XXXX OR XXXX aa both these are current n valid addresses that should be on experian file there in violation of the FCRA law directly missing info causing damage by accounts on reporting cause of missing the FL address too
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts, Equifax is refusing to delete incorrect personal identifiers from my credit report. Names that are not my legal name and misspelled are listed and address that I have never resided in are listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing as a hard enquiry on my credit account, I was told it would not give me a hard enquiry to my account. this has affected my credit score.
Product: Debt collection

Request for Debt Validation Under 15 U.S.C. 1692 Dear [ Debt Collector 's Name ], I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of first communication ], pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I am entitled to request verification of the debt, and I ask that you provide the following information within 30 days of receiving this letter : The full amount of the debt, including principal, interest, and any fees or charges. 
The name of the original creditor to whom the debt is owed. 
A copy of the original signed agreement or contract that legally binds me to the debt. 
Proof of assignment or authorization from the original creditor, confirming that you are authorized to collect this debt. 
An itemized statement that shows how the debt was calculated, including any changes to the original amount, interest, fees, and charges. 
Please be aware that until I receive this validation, I do not consider the debt to be valid. Under 15 U.S.C. 1692g, I am requesting that you cease all collection efforts, including reporting this debt to credit bureaus, until this matter is resolved. 

If you fail to provide the requested documentation within 30 days, you are required by law to cease all collection activities and remove any negative information related to this debt from my credit report. 

I look forward to receiving the requested information within the required timeframe. Thank you for your cooperation. 

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

Equifax informed you and I that they would be removing the iniquity from, XXXX XXXX XX/XX/XXXX. 2022 and still haven't as of yet. I also sent my Identity package as proof. 


Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Trade : NA THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Checking or savings account

Since joining Serve American Express I have dealt with a lot of fraudulent charges on my debit card. I have file disputes for all the unauthorized charges but the claims were denied. One of the problems is they dont have a chip on their card and they dont require a pin when making a purchase. Someone had to have my card information. I have let other use but I dont know who could have make then purchases. I have multiple banks and I was using this card for a saving outlet. I was using the account for direct deposits. 
XX/XX/XXXX XXXX XXXX {$25.00} ( not authorized ) XX/XX/XXXX XXXX XXXX  XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX These charges are not authorized. XXXX XXXX was not authorized and it seems to be linked to XXXX. I have talked to the merchants and they explained things to me. These charges are all over the place. I have never been to XXXX. There also a hotel booked in XXXX. I have never been there! 


XX/XX/XXXX XXXX ( Covid stopped this so I asked for a refund ) XX/XX/XXXX XXXX These were authorized authorized charges. I purchased a trip but due to Covid I could not travel. They charged me an extra {$190.00} make another reservation. The final price was suppose to be {$990.00}. I asked serve for a refund because the company over make me pay extra charges. 

XXXX XXXX {$240.00} XXXX XXXX {$650.00} Think I lost my card at food lion on XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I used my card at the ATM to pay someone. I got change for the cashier and I think I left my card at the atm or register. I didnt realize the card was missing until I tried making a purchase someone else. Once I couldnt find it i checked my balance and seen the unauthorized charges. Immediately I froze the card. 


XX/XX/XXXX XXXX XXXX {$110.00} This charge is with Purchased a bike on XXXX and never received My item.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -Transunion , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted Transunion and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.
Product: Credit card or prepaid card

DISPUTED FRAUD CHARGES- {$380.00} I notified PayPal several months ago that there were fraudulent charges from merchant XXXX. These charges were not placed by me nor did I ever receive any merchandise at any point from the merchant. I requested that my account be closed due to being compromised & requested new account but no actions were taken to have these charges removed or even secure my account in anyway. When I contacted XXXX I was informed to contact paypal to dispute.Im very frustrated that im still having to deal with this issue .I have sent letters in having this corrected & amount removed from my account but cant get a response.
Product: Credit reporting or other personal consumer reports

I am filing complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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 & gt ; S & gt ; C & gt ; 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.

2025-CFPB-0002 ) against them for similar violations. I Request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX is reporting my phone number and address inaccurately. The phone number in the fraud alert is does not belong to me and all attempts to update and correct this information are being unjustly refused. The address on my consumer report is an inaccurate non-mailable address. EQUIFAX is refusing to correct my personal information.
Product: Money transfer, virtual currency, or money service

I was given a check to be cashed as was what was supposed to be a Commercial video for a company for Bitcoin, and found out that the check they sent to me was fake by the bank ; it was a total scam, and the individuals who had me to post the check made this out to be a " commercial '' that I was to act in ; I checked their website, to see if they were legitimate, and they appeared to be ; however, the bank informed me that the check I cashed thru them was fake and that I owed XXXX to them. The bank was Bank of America, in XXXX XXXX, and they did not want to help me at all ... ..but my bank, XXXX, isn't in XXXX XXXX , so I needed to use BofA to cash the check ... ... ..All the while, these individuals who had sent me information on what to say, what to do, and where to go were nothing more than scammers who from the start, knew what they were doing, and did not care that even though I checked them out, were still scamming people over bitcoin.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX : {$970.00} XXXX. XXXX Account # XXXX Bal : {$0.00} XXXX. XXXX XXXX Account # XXXX Bal : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report ( Equifax ), I discovered there is more than one account incorrect account balances. My records show that I have two accounts with this company the account numbers are XXXX and XXXX Account number XXXX is reporting 4x and according to the Fair Debt Collection Practices Act its illegal to report the same tradeline 4x. I disputed with Equifax on XX/XX/2020 about tradelines with XXXX who are on my credit report reporting 4x for the same account with the same account number. On XX/XX/2020 I received a dispute notification from Equifax and the same information is still reporting on my Equifax report. All 4 tradelines are still reporting.
Product: Debt collection

This dispute involves the purchase and return of  XXXX  tablets from a known installment plan retailer.  XXXX   tablets were returned to the retailer because they stopped working ; The   XXXX   tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.
Product: Credit reporting or other personal consumer reports

Creditor is reporting this account past the allowable period.
Product: Debt collection

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CONSUMERS RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681 XXXX 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. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX VIOLATED MY RIGHTS. ACCORDING TO THE FOLLOWING : 1. 15 U.S.C. SECTION 2 ( A ) STATES I HAVE THE RIGHTS TO PRIVACY.

2. 15 U.S.C. 1681 SECTION 604A ( 2 ) IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

3. 15 U.S.C. 1681C ( A ) ( 5 ) SECTION : STATES NO CONSUMER REPORTING AGENCY MY MAKE ANY REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY ADVERSE ITEM OF INFORMS OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

4. 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 ACCURATE.
Product: Credit reporting or other personal consumer reports

This is my second complaint against Equifax for reporting inaccurate and misleading items on my credit report without my permission. I filed a complaint in XXXX to which Equifax responded they needed identifying information which was sent. Now I am attaching a signed affidavit with my original and new requests for them to NOT share non public information that I do not consent to. If this matter can not be resolved I will pursue this party legally for violating my rights as a consumer. I have sent via the CFPB WRITTEN instructions for them to remove accounts and they continue to willingly be negligent in reporting this information.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Applied 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.