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

XXXX Equifax responded to my CFPB Complaint # XXXX that I submitted on XX/XX/2023. 
Equifax replied to CFPB and myself that XXXX XXXX verified that account belongs to me. 
My Question is : Why is Equifax avoiding the sole basis of my dispute being the violation of my right to privacy. The Gramm -Leach -Billey Act states I am to receive notice to opt out of credit reporting and that NO information should be reported on my consumer report without my submitting written permission/instructions. 
I did not give consent to XXXX XXXX XXXX or Equifax to report this information. 
I also understand that because verifying information that is violating my privacy rights is an additional illegal action and I may be privy to compensation in a court of law. 

Additionally, Equifax stated to CFPB that XXXX XXXX is not reporting on my equifax report but as of today I find it is still reporting. WHY? 

I want both items removed due to my federally mandated right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and XXXX themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or granXXXX any permission to these companies to run my credit. 

Hard Inquiries on XXXX report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from Equifax report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
Product: Debt collection

I asked to respond with exact receipts and prove of amounts owed. The account is currently closed but is reporting open.
Product: Checking or savings account

On Tuesday, XX/XX/2022 i tried logging into my bank of america account and it wouldnt allow me. Its just said account locked. I called in and they just told me that my account was being closed for whatever reason. They never told me when or how i would be getting the balance i had in my account. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ). Despite my previous attempts to rectify inaccuracies on my credit report, Equifax has declared that the information provided is complete and accurate, which contradicts the facts. 

I previously communicated with Equifax regarding the following 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 I have outlined discrepancies in the open date, date of last activity, and other critical details associated with these accounts. Despite my concerns and clear evidence of inaccuracies, Equifax has failed to conduct a reasonable reinvestigation, as mandated by 15 USC 1681i ( 5 ). This situation is exacerbated by the fact that 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies.

According to my rights under the FCRA, I request the Consumer Financial Protection Bureau 's intervention to ensure Equifax complies with the law. Specifically, I am seeking : A thorough and accurate reinvestigation of the accounts mentioned above. 
The necessary modifications to correct the inaccurate information on my credit report. 
Enclosed with this complaint are supporting documents, including evidence of the inaccuracies and copies of my correspondence with Equifax. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

GLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices.

Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting.
Product: Debt collection

Debt collectorCredence Resource Management refuses to remove collections from my credit report. I paid the original creditor in full and disputed the account because Credence Resource Management refused payment. 

I talked with XXXX that tried to get me to pay for my credit report which I get for free through XXXX  and XXXX XXXX 

I think it's illegal for debt collectors to attempt to collect debt or report to credit bureaus a collection account Wynn it's paid in full. 

I believe the amount needs to be removed from my account free of charge since it's paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   2017   Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  IA    XXXX  RE :  Complaint Against   XXXX   XXXX   To Whom It  May Conc ern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead o f 90. I a lso have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  ( Please  see uploaded documentation from my   XXXX   credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the   XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX .      I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score when it appears that I went out and applied for {$2100.00} in credit when in   fact, it was only {$710.00} and 90 days same as cash.     Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A different name is showing on my credit report which is affecting my credit rating. The name is very similar with a different middle name but at the same street address not correct flat number. I spoke to clear score and they told me to delete my account and re apply, I did this and the other persons details are still there.
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see these accounts are removed from my file at once. 

XXXX XXXX XXXX and Bankruptcy XXXX XXXX Discharged reference XXXX. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I had a XXXX credit score of XXXX. On XX/XX/XXXX, my credit score dropped to XXXX, due to XXXX, XXXX, XXXX XXXX XXXX fraudulently reporting an open collection account dated XX/XX/XXXX, with XXXX XXXX. I filed a Chap. XXXX bankruptcy which was discharged XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX XXXX ) was part of the bankruptcy. I contacted XXXX and XXXX, XXXX, XXXX XXXX XXXX. and telephonically disputed this erroneous account. I then mailed them a copy of my discharged bankruptcy documents showing that XXXX XXXX was a part of my bankruptcy. Between XX/XX/XXXX and XX/XX/XXXX, XXXX removed the disputed collection account from my credit report, but they did not restore the full 97 points that they took away from me as a result of XXXX reporting this fraudulent open collection information to XXXX.
Product: Debt collection

On XX/XX/2021 I, the consumer, sent a cease and desist to SYNCHRONY BANKXXXX XXXX XXXX for XXXX accounts demanding that all forms of communication through any and ll mediums cease pursuant to the Fair Debt Collections Practices Act 15 USC 1692c ( C ). I, the consumer, demanded an audit trail to provide documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) as defined by XXXX showing proof of this alleged debt pursuant to 12 USC 5562C ( 10 ) and 12 USC 1831n in order to validate this alleged debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g. As my specified remedies pursuant to the Fair Debt Collection Practices Act 15 USC 1692c ( 2 ) I, the consumer, demanded that this alleged debt be zeroed out and return all payments that have been made on this alleged debt, which was a consumer credit transaction, back to me the consumer by check pursuant to the Truth In Lending Act 15 USC 1666d ( B ) for billing errors. I, the consumer, demanded the inaccurate account information being reported to my consumer reports be updated to a XXXX balance. SYNCHRONY BANKXXXX XXXX XXXX XXXX XXXX no permissible purpose to share my nonpublic information pursuant to the Fair Credit Reporting Act 15 USC 1681b ( 2 ) ( a ) nor did I give consent to share my nonpublic information which is identity theft pursuant to the Fair Credit Reporting Act 15 USC 1681a ( q ) ( 3 ). 
SYNCHRONY BANKXXXX XXXX XXXX XXXX has not ceased communication and are still sending me communication through the mails to attempt to collect a debt. This is harassment and a direct violation of my right as a consumer under the Fair Debt Collection Practices Act 15 USC 1692c ( C ). SYNCHRONY BANKXXXX XXXX XXXX XXXX has not sent me any documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this alleged debt. This has denied me my right as the consumer the ability to validate this alleged debt which is a direct violation of Fair Debt Collections Practices Act 15 USC 1692g. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not zeroed out the balance on this account which is a billing error. This is a direct violation of the Truth In Lending Act 15 USC 1666c ( B ) and the Fair Debt Collections Practices Act 15 USC 1692h for multiple debts. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not updated the inaccurate account information being reported to my consumer reports. This is a direct violation of my right to privacy under the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ).
Product: Money transfer, virtual currency, or money service

I had made an initial complaint about cash app closing my account and not responding back to my emails. Cash app however replied to the complaint i made through consumer financial protection Bureau. In their ( cash app ) response it stated that ; 1.My cash app account was temporarily suspended 2. That it ( cash app ) held my funds ( {$7400.00} ) pending their investigation 3. That my account is closed after their investigation. 
Cash app however did not state how I am getting my funds that were held before their investigation in their response. Anytime I email cash app I get an email response from an agent called XXXX who is basically telling me that I will not be getting my funds and that I should move on. 
Cash app claims that my account violated their terms and condition. Under Cash app terms and conditions number 9, it state that " Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, ( 1 ) may be made available for you to cash out in Squares discretion and subject to the other conditions in these Cash Terms, and ( 2 ) we may require you to link a new bank account that has not been associated with your Account to cash out such funds.. If an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation. '' I understand at this point that my account is closed, I just want to know how I am getting my remaining funds of {$7400.00} unless the company Cash app intends to keep it.
Product: Mortgage

On XX/XX/XXXX I applied for a HELOC. This of course triggered my information to be sold and I began receiving calls and texts from other mortgage companies including several from MortgagePros LLC nmls # XXXX. After informing XXXX XXXX, a MortgagePro loan officer who reached out to me via text on XX/XX/XXXX from the number XXXX, that I did not want his product, I have reason to believe this individual gave my phone number to a " friend '' who proceeded to harrass me for hours via text from XXXX. If this is a licensed mortgage professional sharing XXXX for malicious intent, I believe his licenses should be revoked immediately. Another thing to note about this company : on XX/XX/XXXX I received a call from XXXX from a woman named " XXXX '' who claimed to be calling from XXXX XXXX When I informed her that I also work in real estate with many contacts at XXXX XXXX she immediately hung up. When I called the number back I was greeted with a recorded message saying " thank you for calling MortgagePros ''. This company is predatory.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went into my bank to get a XXXX cashiers check for our contractor. I paid for this service, I received the cashiers check and gave to contractor. On XX/XX/XXXX my contractor called me stating there was a problem with the check and it was declined. We found out from XXXX  XXXX XXXX that the cashiers check was not endorsed by Wells Fargo. I went into the bank to cancel this check and reissued and I was told I needed to bring in original check which I no longer had, the contractor inserted it into his atm for deposit and was told he had to wait XXXX weeks for it to arrive in mail. Wells Fargo would not stop payment on this check and made me wait XXXX weeks for original check. I kept calling to escalate this problem that the bank created by not endorsing the check I paid for, and could not wait on this due to our home being boarded by plywood. They made us wait and finally at the XXXX week on XX/XX/XXXX they issued a stop payment since the contractor still had not received the check. They then called me on XX/XX/XXXX thr XXXX week of my XXXX being held up in limbo told me the asurity bond would not clear and they cant do anything besides recommend we ask the contractor to call his bank and request the original copy again. This was Wells FargoXXXX mistake, we have XXXX children and our home now has mold due to condensation and cold. I have missed work for more than XXXX visits to the bank, I have gotten babysitting and spent hours with management and on the phone trying to resolve this and receive my OWN money back. Ive had to front the contractor XXXX and still dont have my own money released to the contractor or us. The bank wont help us and they are the ones who did not endorse the check. This is unethical and we are so distressed, we want to seek legal help please
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan AidVantage account number ending in XXXX I have a singular monthly payment. It is disbursed amongst XXXX loans. When the singular payment was late the loan reporter XXXX reported it as XXXX late payments. This is innaccurte and unfair in practice. It was one late payment to the creditor which then they disburse amongst accounts, this is not my action nor are they terms I have agreed to. 
Additionally when I dispute this with the bureaus, they replied with an incoherent, nonsensical, and irrelevant comment on mt report of " Fixed Rate '' then they proceeded to remove the comment in that same reporting cycle. It makes zero sense and is not addressing the issue in dispute. However what it did do is drop my XXXX score by XXXX points. Completely illogical and destructive behavior with no accountability by XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid data on my credit report with Equifax. all information listed is an error on my report please review an remove to correct my file asap.
Product: Checking or savings account

Hi CFPB, On XXXX, XXXX, 2024, my card was charged by a company in XXXX, but i have been back to XXXX for over 3 years, i will attach my XXXX travel history in attachment. It is absolutely a fraud activity. 

But the wells fargo refund me for one transaction but not the other one. I don't know why, the two transactions happened in the same day in five minutes. And i tried to make a phone call, the representative did not provide the reason, but kept saying it is the fraud department final decision, when i asked to transfer me to fraud department, she just refused and hang up my phone, i have been waiting for over an hour to talk to them. 

I am not satisfied about everything of Wells Fargo bank. The service is bad, representative is not responsible. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX fcra violations not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 10 % of total debt in settlement offer through assigned 3rd party. I was provided a XXXX Balance letter yet the original creditor ( Conn 's ) did not update the account to reflect Settled on my credit. The account reflects closed with balance still in tact. They did however update the payment, but refused to update the account status. I made this payment ( Call is recorded ) advised that it would settle the account and remaining balance, not " update '' that payment was made.