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

Since XX/XX/2020 i have been reaching out to Equifax about their incorrect reporting on my behalf. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. I asked Equifax to remove all alias 's and update my phone number and employer because the information they are reporting is incorrect, i have not seen anything change. It's been six months.

The investigation results i receive back from Equifax are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

Equifax is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

Equifax violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures.

Equifax violated the FCPDA attempting to collect more than what is owed. In addition Equifax is threatening a lawsuit with one of the accounts when I have no intent to sue. 

Equifax violated the FDIC by not reporting accurate information on my credit report. 


How does Equifax get away with this type of behavior. I have certified to Equifax that these accounts do not belong to me. 

It has now been over six months, still same answers from Equifax. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it?

I have copies of over 30 dispute results from Equifax showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against Equifax in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.
Product: Credit card

On or about XX/XX/year>, I was contacted by XXXX XXXX XXXX, Fraud Department about a potential fraud on my account. When I spoke to the representative, I advised that I did not make, nor did I authorize a purchase at the XXXX XXXX which is more than two hours away from my home. I reported this as fraud and asked them to credit my account. They said because my card was in my possession, then I am at fault. I have appealed and asked for reconsideration sending them a copy of the XXXX XXXX XXXX Police Report and I have also sent them the Affidavit of Identity Theft from the FTC. XXXX XXXX XXXX refuses to believe me and continues to threaten that if I do not pay the {$600.00} they will send me to collections. I'm a XXXX XXXX XXXX XXXX person and have never had anyone treat me in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

On XX/XX/XXXX Me and my husband bought a used XXXX XXXX  vin # ( XXXX ) from then called XXXX XXXX XXXX now XXXX XXXX XXXX ( XXXX ) XXXX for {$46000.00} which really was a ripoff, accepted the deal due to having bad credit. 8 months later a deer ran into the front bumper side with minor damage, less than {$2000.00}, but the repair shop had to remove the front bumper, they realized that the vehicle had already been in a major accident because of bad repairs was obvious ( welded areas was rusting and wirings was terrible ), my insurance stated that they would only repair my damaged, we tried resolving the problem with the dealership which kept stating they could get us into something else, plus the next day after we got the vehicle I tried calling to get out of the vehicle because I really realized {$940.00} a month was just too much, but we never got a call back. Well once we contacted them after the accident and let them know we realized it was in a accident and that the XXXX that we got from them stated no accident on the vehicle in the year XX/XX/XXXX or XX/XX/XXXX, so they said we could get another vehicle with {$10000.00} down, which was totally impossible for us. Therefore we was stuck with keeping the vehicle, so I`ve been working on this for about 8 months, I narrowed the search to what insurance company paid the claim of almost {$14000.00} ( XXXX XXXX and the owner and the repair shop, spoke with someone at the repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the person I spoke with said they would see what they could do and get back in touch, never called me back, I called back he said he haven`t forgot me, right today, I haven`t heard anything back. In the mean time I was riding in a incomplete unsafe vehicle, therefore me and my husband made a decision to get out of the vehicle, voluntary repossession, now the financial wants the difference of the lost when they sold it, I feel really sad for them selling a unsafe vehicle that one day the whole from end may come off while someone is driving it, I tried explaining the  situation to them, but they`re only concerned about their money! I`ve tried contacting XXXX, but no response. Now the financial company wants us to pay them {$20000.00}. 
Please help us resolve this issue and hold the car dealership reliable! 

Sincerely,
Product: Credit card or prepaid card

My former employer offered an Optum Bank Mastercard for health flexible spending AND transportation ( parking, bus, light rail ). The funds loaded to the Mastercard were deducted from my paycheck. My employment was terminated XX/XX/XXXX. At the time of my termination there was approximately {$1600.00} available for transportation expenses. 

Sometime around XX/XX/XXXX I called Optum Bank to find out if the funds could be sent to me via check, minus taxes since it would have been income. I was told it was not possible BUT the funds would remain available for use indefinitely ( until depleted ). I did not have an opportunity to use the Mastercard for parking until XX/XX/XXXX. The card was declined presumably because it was expired. 

On XX/XX/XXXX, I called Optum Bank to ask for a new card. I was told the account was closed upon my termination and the funds were returned to my former employer. I asked for proof that the funds were returned to my former employer and was told by a supervisor XXXX XXXX XXXX " we don't have records going back that far ''. He said I needed to contact my former employer. Contacting my former employer is not an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name : DEPTEDXXXX Account # : XXXX**** Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : DeptedXXXX  Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : DeptedXXXX   Account # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Equifax Account Name : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX XXXX XXXX XXXX XXXX Equifax XXXX Agency XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX Dismissed Dismissed Account Name : XXXX Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : XXXX Name and Address are inaccurate : Also Known As : XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then these company below pull my credit report without my authorization.
Product: Debt collection

I have sent multiple letters to Portfolio Recovery Associates requesting a signature as verification for several debts they are attempting to collect. I am not responsible for these debts, as my personal information was compromised due to credit bureau data breaches, leading to fraudulent accounts being opened in my name. 

The accounts in question are : Account # XXXX Balance : {$1200.00} Account # XXXX Balance : {$1400.00} Account # XXXX Balance : {$680.00} Account # XXXX Balance : {$810.00} In response to my letters, Portfolio Recovery Associates has only provided statements related to the accounts they purchased from the original creditors. However, none of the documents they have sent include my signature or indicate when these accounts were opened.
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. 1 contacted XXXX, Transunion, and XXXX to reinvestigate this accounts : XXXX XXXX XXXX  Account number : XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modity accounts that aren't reporting correctly. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. Due to the inaccurate reporting and fraudulent errors reporting on my credit report, this has dropped my credit score XXXX points. My credit score was XXXX from hard work and dedication and responsible consistent maintenance. In addition this is a business account and responsibility is legal bound to business and by law should not be reporting to my personal credit report only to XXXX  number under the business. This inaccurate reporting error and violation is financially devastating for me and is a complete hindrance for my financial future and current livelihood. With such a drastic decline in my credit score I am unable to buy a house, obtain credit and provide from my family provide for my family. I am currently suffering from XXXX and XXXX  and emotional distress due to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX after disputing 2 inquires. XXXX stated I gave verbal authorization through a mortgage transaction which was false. So i contacted XXXX.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. XXXX told me it was XXXX XXXX XXXX   and i should contact them. XXXX told me it was Eagle Home Mortgage. Eagle home mortgage told me it was XXXX XXXX XXXX. I contacted Lennar customer service as instructed. I was then told by customer service that they have no ideal what to do about it.
Product: Money transfer, virtual currency, or money service

Around XXXX, my ex girlfriend got into my XXXX  account from a different device. She sent money that I never authorize. She zelled around XXXX to another bank account. I called XXXX and explained to them what happen.They told me since she knew my password there wasnt nothing they could do. My password is the same password for everything like XXXX and XXXX. 
Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I contacted XXXX  and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.
Product: Credit card

I purchased a couch from XXXX XXXX XXXX using a store credit card that was approved on the same day in the store, backed by TD Bank. The agreement included a 3-year payment plan with no interest. However, less than a year after I made the purchase, TD Bank ceased doing business with XXXXXXXX XXXXXXXX XXXX, leading to the closure of my credit card account. Despite this, I still have a significant balance with them, and they continue to collect payments. However, due to the closure of my account, I now have an outstanding balance without any available credit. As a result, my credit utilization has increased, negatively impacting my credit score. I believe it would be fair for the account to be frozen rather than closed until the balance is completely paid off, especially considering the circumstances were beyond my control. Why should the customer be affected by the situation between the two companies? 

I seek assistance in resolving this matter and restoring my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Neiman Marcus is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.
Product: Debt collection

As of XX/XX/2024 Hunter Warfield Inc sent a email stated that they have my permission to communicate with me through E-mail.Since XX/XX/XXXX there has been another e-mail on XXXX XXXX.According to 15 U.S.Code 1692 ( f ) states that the collection of any amount of including interests, fees, charges or expenses incidental to the principle obligation unless such amount is expressed authorized by the agreement creating the debt or permitted by law and for proof of this debt specifically as well the proof of your authority. U.S.Code 6802 obligations with respect to disclosures of non public information in good faith to resolve this matter amicably I state my demand for proof of this debt specifically the alleged contract or other instruments bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection and correct erroneous reports of this debt as mine. For the record I state again I have no account with you Hunter Warfield Inc nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 U.S. Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter.What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt?
Product: Credit reporting or other personal consumer reports

Have spoke to Equifax, XXXX, XXXX about Identity theft. I did not give these companies permission to check my credit, Nor did i give the XXXX credit bureaus written permission to release my information
Product: Credit reporting or other personal consumer reports

I Disputed this account with XXXX and it came back verified. This is not my account so it could not come back as Verified. I have no knowledge of an account with Transworld Systems Inc
Product: Credit reporting or other personal consumer reports

I sent documents to Equifax stating how I was a victim of identity theft and that there were accounts on my consumer report that did not belong to me. Equifax responded by stating the accounts were verified as mine, and I responded by requesting the method of verification.
Product: Credit reporting or other personal consumer reports

I had a alert on my credit report from my fico. Describing my information being available on the dark web, After the alert, I had several credit cards that were charged fraudulently without my approval. I would like these removed from my credit profile. And the accounts closed for good. This is affecting my credit report. Tremendously and has caused a economic and financial Burden.
Product: Bank account or service

I have a Wells Fargo checking, savings and business checking account. I want to complain about Wells Fargo 's manner of charging outrageous fees one on top of the other, in order to get more fees than they are supposed to collect for a balance overdraft. Additionally, I went to change my " overdraft protection plan '' several weeks ago and the website acted like it changed it but never did, so I received more overdraft fees ( I tried to make it so that when you use the debit card, it simply would not go through, rather than go through for a XXXX dollar purchase, triggering a {$35.00} fee, for example ). It also seems like money went missing from my personal checking account on several occasions, but i ca n't seem to track down exactly what happened. i do n't believe it 's fair to charge over XXXX in fees for a few small transactions that went under XXXX, especially when I 've been a customer for a long time and always refresh the account so when on occasion it dips low, it does not stay that way for long. I 'm out of work and looking for a job, so theses fees have caused me to not even be able to purchase food or gas for my family.
Product: Credit reporting

Experian is reporting the debt to XXXX XXXX # XXXX .... on my credit file. I have disputed this debt multiple times and Experian refuses to delete this incorrect reporting. the account is paid and closed. the date of XXXX delinquency XXXX LATE ) was more than 7 years ago. This account should now be deleted from my credit file. Experian REFUSES to let me dispute this account and I feel this is improper practices and against my rights!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in XXXX  days. 

These fraudulent accounts are not only damaging my credit but also causing my significant XXXX  and XXXX. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Mortgage

I am the executor to XXXX ( deceased ) estate in XXXX, Alabama. A part of the estate is a house located at XXXX XXXX XXXX, XXXX, Alabama. The house had gone into foreclosure even though my niece was making payments. My sister 's will was never probated by the attorney to transfer the property to her daughter. Automatic deductions were made from her account up until XX/XX/XXXX Without any discussion or notice, Chase Manhattan stopped accepting automatic deductions after XX/XX/XXXX. In XX/XX/XXXX mortgage payments were made by money orders by her daughter. Chase Manhattan never returned the money orders or contacted my niece to inform her if there were any problems. 
In mid XXXX a notice was placed on the door of the property from Chase Manhattan stating the property was in foreclosure. We contacted Chase Manhattan with our attorney in XX/XX/XXXX to discuss and determine what transpired and what we needed to do to resolve the foreclosure matter. After our attorney had a discussion with CM, we were told by Chase that certain fees had to be paid in order to remove the property from foreclosure and transfer the property to the heir. We paid {$2600.00}, the amount Chase said was required to make the mortgage current and cover fees associated with the foreclosure. We also provided the necessary documents, death certificate, will etc. that Chase required to change the name on the mortgage. We were told by Chase Manhattan that ownership would be transferred and my niece could continue making payments. We received another notice in late XXXX that the property was in foreclosure and XXXX XXXX owned the property. XXXX XXXX had hired a law firm to manage the foreclosure. It stated that XXXX XXXX now owns the property and any occupants would be paid a certain amount to vacate the property by a certain date. The family was totally shocked and in disbelief that this was happening. Particularly after working the attorney and Chase Manhattan to resolve the situation. 
The actions taken by Chase Manhattan and XXXX XXXX are unscrupulous, unwarranted, and illegal. The family request that the foreclosure be reversed and property transferred to the heir without any additional fees. I would also like for Chase Manhattan and XXXX XXXX to be held accountable for their illegal and unscrupulous actions. The family has sunk XXXX of dollars into the upkeep of the property. We desire to keep the property in the family.
Product: Debt collection

XXXX XXXX is incorrectly stating that the account is " open '' when it has been closed since late 2020, In violation of the fair debt collection practices act ( they are trying to claim that the account is in-statute, when it has been out of the 4 year statute for over a year ). They also incorrectly reported the amount due as over {$XXXX} originally, when it is {$XXXX}. 

They are falsely stating that the account is " open '' when it has been closed for 4 years, in an attempt to collect it when the account is out-of collection statute.