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

I called Equifax to report a fraudulent credit card account on my credit report it was a XXXX department card that did not belong to me. I called them to dispute it and to have them investigate it. In doing so the representative I spoke to must have erased my credit profile because any credit report site I go on to pull my equifax report says there is an error. I logged into my XXXX app and it says its unable to pull my Equifax report. I logged into Equifax and nothing after the month of XXXX shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt. 

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to XXXX, XXXX and Equifax XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet XXXX  somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX  is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account XXXX XXXX XXXX has committed. This goes for TransUnion as well for violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DE XXXX Y XXXX XXXX XXXX, REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER XXXX NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL THE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS XXXX IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.
Product: Debt collection

XX/XX/XXXX : purchased online furniture from XXXX XXXX XXXX in South Carolina. This transaction was completed through PayPal. Apparently, PayPal is linked to PayPal Credit which is actually Syncrony. PayPal Credit paid XXXX XXXX {$2700.00}. 
I waited patiently for my furniture and have filed at least XXXX disputes with PayPal. XXXX XXXX does not have an answering service of any kind. The phone just rings every time I call. XXXX never responds to my emails either. The furnitures delivery was supposed to occur XXXX, XXXX. 
I have reached out to PayPal and Syncrony. 
As of today, XX/XX/XXXX, a manager told me PayPal has nothing to do with PayPal Credit. I felt so helpless. He also mentioned this purchase took place in XXXX XXXX XXXX and this is now XXXX XXXX XXXX. He is not considering that I waited until XX/XX/XXXX and stopped my automatic payments to PayPal and explained to them that I never got the furniture. I have made countless attempts to reach the Merchant, XXXX XXXX and have had numerous conversations with PayPal associates. 
In the month of XXXX my credit score decreased more than XXXX points. Another dispute was started in XXXX XXXX XXXX XXXX. Since then, my credit score improved but my feeling is they are not going to rule in my favor. My last dispute resulted in favor of XXXX XXXX even though I never signed for any furniture. I finally purchased a couch and loveseat locally. This was submitted with other documents to PayPal Credit.
Product: Checking or savings account

My bank account is overdrawn currently my checking and savings accounts. It has been overdrawn since last Friday XX/XX/2018, I signed up for over draft protection only to find out that the bank has two separate overdrawn protection features I found this out today on XX/XX/2018, the first one is the debit card and the other one is the account.i have never herd of this and when I went into the bank that was never  explained to me at all, so I get hit with XXXX dollar fees all the time then to find, then I was told that even if I have over draft protection that if anything hits my account and the account is empty then I will still get hit with XXXX dollar fees. This bank doesn't work with it's customers especially those whom are poor and are on a budget, I can not close the account until I pay off what I owe them.they make a lot of money off of me since I have opened an account with them and I have been dissatisfied with them since becoming a member. I have bank with other Banks before and they offered some type of help and other ways to keep me financially sound but this Bank offers no leniency Little to no education as the how they run things and something needs to be done about this because every time I turn around there is a fee for everything doesn't my money matter? I may not have a lot of it but I have enough to keep me afloat, and if this bank is legally able to operate this way I need to see everything in writing that was they have not provided me with that all.
Product: Checking or savings account

Back in XXXX, I placed a purchase on XXXX, but it turned out to be a scam. I " purchased '' weights for {$99.00}, but my account was charged {$98.00} by XXXX XXXX. I listed that transaction as fraud until I did a little more digging into the incident and discovered that the place I purchased the weights from is that one who charged me as XXXX XXXX. I explained all of this to my bank and even XXXX XXXX XXXX and reviews showing it was a scam, but they still reversed my credit and kept pointing me to different sections with no one actually doing anything. Now they want to say that it's been too long and they can't refund my money. However, if they would have actually done their job properly in the beginning this would have been resolved within the appropriate timeframe. The second incident was from XX/XX/XXXX where I attempted to purchase a XXXX from a company allegedly in the XXXX by the name of XXXX. My account was charged {$270.00}, but I never received anything from them. Shortly after I placed the order my husband said he thought it was a scam and to call my bank. I called my bank and tried to cancel the transaction. Since that incident, my bank has a new procedure where we can cancel a transaction during the phone call. I don't know exactly why they reversed my credit for this case, but I have repeatedly asked for additional information ( which I have not received ) and XXXX of their documents has someone saying I told them " I had received something, but didn't know what it was '' which is an absolute fabrication on the part of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing a collection account with Transworld System Inc for an entire year. I began sending written communication to them XX/XX/2020 & every XXXX after that until XX/XX/2020. To date, I still have not gotten a single response. I notified them that I'd paid my final bill with the original creditor XXXX XXXX XXXX XXXX XXXX Co XXXX before relocating & asked for verification of this debt. After sending multiple requests with no response, I sent several requests for them to remove this collection account from my credit report. Initially it was only listed on my XXXX credit report. Transworld Systems Inc has not only ignored my requests for deletion, they've now taken it a step further by adding this collection account to my XXXX XXXX XXXX credit reports causing further damage.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inclusion of certain information in my consumer report maintained by your agency. Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ), I request the immediate removal of the following account from my consumer report due to its violation of my privacy rights regarding student education records : Account Information : Account Number : XXXX Date of Entry : XX/XX/year> Description of Account : DEPT OF ED/XXXX As per FERPA regulations, student education records are protected from disclosure without the consent of the student or their legal guardian. The account in question directly pertains to my educational history and therefore falls under the purview of FERPA. I have not provided authorization for this information to be included in my consumer report, nor has the educational institution involved obtained my consent for such disclosure. XXXX, XXXX, and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

I kindly request that your agency take immediate action to investigate this matter and remove the mentioned account from my consumer report in compliance with FERPA regulations within 14 business days
Product: Checking or savings account

On XX/XX/XXXX, I was advised by my mother and confirmed by a female banker by the name of " XXXX '' at my bank, Wells Fargo ( Bank ID XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL ) they mistakenly linked my accounts to my mother 's accounts and sent her a hard copy of ALL of my account balances/statements. This was a very personal breach of confidentiality and Wells Fargo should be monetarily and harshly sanctioned. Not only does she have my personal account balances but ALSO my business account balances. This is true negligence on the part of Wells Fargo. " XXXX  '' is going on vacation STARTING XX/XX/XXXX and will not be available to discuss this for an entire week ( as she advised me today ). This has been escalated to the bank manager. 

XXXX XXXX
Product: Credit card

I rented a vehicle from Enterprise in XXXX, MA during XXXX. I used my Chase Freedom XXXX credit card for the rental. The card purports to offer vehicle damage coverage. There was a small dent on the rear lift-gate when I returned the car in late XXXX. Enterprise asked for {$300.00} to repair the damage. I followed all instructions and the claim was submitted to Chase. 

Chase passed the claim to an outside vendor called " Card Benefit Services ( as far as I can tell ). I had an email from them in XXXX, with instructions and a link to upload additional documents. The sender info as follows : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX opt. XXXX Fax : XXXX The email asked me to submit further information, but access to the portal was consistently denied over a period of trying for about a week. When I sent them an email about it, they replied as follows ( XX/XX/2024 ) : " Hello, Thank you for your email. I apologize, this error was occurring during a system update. Please try again as our website is now fully functional. '' However, the website is still not functioning and not accessible as of today XX/XX/2024. I sent them an additional email to this effect but have not received a reply. It seems this company is playing games to either avoid or delay payment of claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Well Fargo Bank, did not actively report to my credit report after a discharge of a bankruptcy in XX/XX/XXXX. I originally filed bankruptcy XX/XX/XXXX and paid if off at 100 % in XX/XX/XXXX. After multiple phone calls and Wells Fargo receiving a discharge from the Bankruptcy courts they continued to show my account in in their system as being active in a petition status for a filed Chapter XXXX bankruptcy which also resulted in the suppression of my credit reporting. They sent me a letter in XX/XX/XXXX which stated they had rectified the issue and now in a letter from them dated XX/XX/XXXX they tell me that the previous letter they sent in XXXX with inaccurate. They have now reported my account as closed and paid off at 100 % which is actively showing on my credit report. They tell me that they are trying to rectify the situation but have only caused further issues. Well Fargo has caused me to not be able to refinance my loan with 3 different companies due to this issue and now tell me that they do not have to have an answer for me until XX/XX/XXXX as to rectifying the situation, when the original date was XX/XX/XXXX. This financial institution acts as they choose and do not care about the damage or financial burden they put upon their members, in my opinion they attempt to keep you locked with their company which is a crime. They failed to report accurately to my credit report for 5 1/2 years and had me as being in active petition status in their systems for 5 1/2 years beyond the date that they should have rectified it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from XXXX XXXX XXXX, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking XXXX XXXX original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX and XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX XXXX ) against it for similar violations. Request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing INC are violating my rights because they are still reporting this UNVERIFIED debt as mine and they're many inaccuracies in their reporting. In response to my initial attempt to validate the debt they responded with a bill.. A bill DOES NOT constitute as debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}
Product: Credit card or prepaid card

A Destiny Mastercard was opened in my name that I didnt authorize the description is FEB DESTINY/GF the debit is {$770.00} as of XX/XX/2023 I am a victim of identity theft someone stole my personal information to open this account.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are reporting late payments after charge off and transunion is showing no payment history on XXXX XXXXXXXX XXXX 's card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus
Product: Bank account or service

I have federal VA XXXX funds and VA vocational rehabilitation funds deposited in my account with TD bank. I keep getting levied by the child support enforcement agency. The bank says that these are not protected funds and that the agency is the one who determines if they are or not. they also say it is not their responsibility to do a 60 day look back. According to Fed law 5CFR 581.104 these are not allowed to be levied. Also title XXXX part XXXX out lines how to identify the federal deposits and again they insist that it is not their job to check the deposits. It is clearly marked on my statement. Yet they refuse to even consider reading the law. They say that the NJ state law allows them to do this. I did n't think that state law could over ride the the federal law. If so i would like a detailed explanation of how it works. Saying just because of this law or another is n't good enough. When I read the law I see that there are a lot of moving parts and one of them is the exemptions to these types of federal deposits. These levies that i have encountered have put a large strain on me and my family. The bank hits me with Levy fees and low balance fees. I have issues trying to get them back. I have problems paying my bills and bounce checks because of these levies.