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

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is U.S Bank for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX2017 i had requested my credit report from XXXX  and Equifax along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is using the same id # under different companies. The company name Equifax Mortgage Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX tele:XXXX they are sharing the same ID # with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX tele XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX tele XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand
Product: Credit reporting or other personal consumer reports

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

My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXXXXXX XXXX, XXXX. - XXXX - {$62000.00} XXXX XXXX XXXX - XXXX - {$20000.00} BANK XXXX XXXX - XXXX - {$2000.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.
Product: Debt collection

Respected sir My credit card and ID were used to purchase a play station without my approval. TD bank ruined my credit by jacking up the price to XXXX $ which was never the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank and XXXX XXXX  will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX dropped one of my open accounts. 

XXXX XXXX and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae performed a inquiry without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been posting " late payments '' to the credit bureaus since XXXX. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last XXXX  years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and can not " verify '' these accounts, under Section 611 ( 5 ) ( A ) of the FCRA ... they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX 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 had reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XXXX my girlfriend opened a XXXXXXXX XXXX XXXX account and added me as an authorized user. I was removed as authorized user 3 months later in XX/XX/XXXX. I disputed it with all 3 bureaus and XXXX and XXXX removed it. Experian refuses after 9 disputes and 3-4 disputes with XXXX ( lender of the XXXX XXXXXXXX ) and both have said it is accurate. And it is not accurate. XXXX then proceeds to tell me they wont report any historical data. Last month ( XX/XX/XXXX ) I saw they started reporting it on my credit report again. I called XXXX and disputed it again with experian since they said they wouldnt report historical data, but in fact did. I called and requested they request to have it reported and removed by experian and they refused and I was hung up on twice by XXXX. I cant get a live person at experian to explain my situation. This is very frustrating and its dropped my FICO score by XXXX points while my other two scores are within XXXX points of each other. I really feel like they are causing me damages by making it hard for me to get any credit cards, loans, and housing since its not just barely above XXXX. I dont know what to do anymore. This has been ongoing for almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I spoke to a representative with Transworld Systems Inc. ( TSI ) which stated there was an attempt to collect a debt in the amount of {$2900.00} from XXXX XXXX. He offered a settlement and stated it would not be reported to the credit bureaus if fulfilled within that time frame. The Representative came up with a payment plan of a {$250.00} down payment followed by 10 payments every week of {$180.00} that would cover the debt which I agreed to. An email was sent to me confirming what we had spoke about. After paying my last payment ( XX/XX/2020 ) I called TSI to confirm that there were no outstanding balances. The representative I spoke with on this day told me I was good to go. Within the next couple days after checking the XXXX XXXX app on my phone, I got a notification that I had my first derogatory mark on my credit report which dropped my credit 23 points. This derogatory mark stated that I still have a remaining balance of {$830.00}. I called TSI immediately inquiring on why this is. They said that I still owe {$100.00}. I feel this is fraudulent considering we agreed upon an amount and payment plan, I fulfilled the agreement and now they are saying I owe more money. These conversations were all on recorded lines and should be reviewed for accuracy. After multiple phone calls they are refusing to work with me and verify the actual agreement. This is very upsetting because Ive been trying to repair my credit and take care of my obligations only to be slapped in the face with this. It would be greatly appreciated if you could investigate this matter so I can have this removed from my report as soon as possible. Thank you!
Product: Debt collection

I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX
Product: Vehicle loan or lease

My loan is impossible to pay off. I learned yesterday XX/XX/XXXX from speaking with customer service that my loan accurs interest at a daily rate of approx. {$13.00}. {$13.00} x XXXX {$390.00} in interest on top of a {$540.00} payment. I am being over charged fraudulently in interest. Only {$760.00} out of 11 payments of {$540.00} have been applied to the principal balance since XX/XX/XXXX until now. 

The daily rate was not included in the signed contract. The car is XXXX ; XXXX XXXX XXXX and was purchased with a tear in the drivers back bottom passenger seat. Its not worth the money for a car like that with no gap insurance included.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns with zelle handling disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution have failed to handle my claim adequately they inform me that recovering last phones was impossible. The c f p b 's findings indicate that zelle has not only failed to to protect my consumer 's rights
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be corrected from my file right away XXXX XXXX XXXX XXXX : {$1900.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX Subject ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Dear Equifax, I am writing to formally dispute the accuracy of an item listed on my credit report. 
The account in question is as follows : .creditor Name : XXXX XXXX XXXX XXXX Number : XXXX .Issue : Past due amount inaccurat, Status incorrect. 
According to my records : The charge - off balance is incorrect based on account records. 

Under the Fair Credit Reporting Act ( FCRA ), Irequest that you investigate this matter and correct or remove the inaccurate information as soon as possible. I also request written confirmation of your findings and any changes made to my Credit Report. 

Thank You for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit card or prepaid card

I booked a 3 day trip with American Express travel - booking confirmation # XXXX. AMEX XXXX 's stated costs for the trip were as follows : Total Trip Cost : {$600.00} - Room for XXXX nights : {$380.00} - Additional property fees : {$150.00} ( resort fees are due and payable at the resort! ) - Tax on the Room : {$68.00} AMEX billed the entire amount of {$600.00} - which included fees that were due and payable at the resort ( {$150.00} ). 

AMEX tried to suggest that the actual costs were : Room for XXXX nights : {$380.00} Estimated taxes and fees : {$220.00} Additional property fees : {$150.00} Total cost using AMEX logic : {$760.00} AMEX is flat out wrong. I confirmed with the XXXX hotel that the {$68.00} represents the actual taxes and fees for rooms. The {$220.00} in estimated taxes and fees includes the {$150.00} resort fees and taxes- which are payable directly to the hotel ( and should not have been charged by AMEX ). 

AMEX made a simple error and double charged me for taxes and fees that were also then collected by the hotel.
Product: Checking or savings account

USAA closed my accounts XXXX XXXX XXXX and said it would be 60 days before they sent me my funds. Direct deposits have gone in after the fact and per regulation CC regarding funds availability and USAAs own depository agreement these funds should have been made available. 
There is also nothing in USAAs depository agreement about funds taking 60 days after the account is restricted. 

USAA is in violation of their own depository agreement as well as federal regulations regarding the expedited funds availability act. 

I will be retaining an attorney regarding these violations if my funds are not sent within the next 10 days.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a CFBP complaint to XXXX XXXX XXXX due to an inaccurate and incomplete collections account on my consumer report. XX/XX/year>, which is over 5 days of initial communication with the consumer, and nothing was sent to me in the mail. This collector provided me inaccurate and incomplete validation letter and did not provide me with any information or disclosures stating I have received any information provided by them. Or any detailed information regarding reporting this account on my consumer report inaccurately. There were laws violated as well. In this case, I submitted another CFPB complaint on XXXX XXXX complaint ID XXXX. Due to them not removing the account or fixing the issues and violating laws. XX/XX/year> debtor responded they need more time. Now this account has been given to another debt collector without my permission. XXXX XXXX has not completed this complaint with me yet. And already given away my information. This is really giving me XXXX  and stress. This debt collector is violating laws. 
The Fair Debt Collection Practices Act DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT Truth in Lending Act I do not understand why XXXX, XXXX, EQUIFAX is allowing this debt collect report to my consumer report. Please remove as soon as possible. 

The FCRA gives consumers many important rights when it comes to the information that consumer reporting agencies collect about them. It requires consumer reporting agencies ( including the three major credit bureaus ) to make sure the information they collect and share is fair, accurate and kept private.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received notification from both my XXXX XXXX app and XXXX XXXX app that I received an inquiry on my credit report from Equifax XXXX. Knowing that I've been keeping a close eye on my credit as I'm preparing to apply for something in the future I jumped on this quickly as I have no business with Equifax XXXX to date. I first called Equifax XXXX on Sunday, XX/XX/2022, but they were unable to research further as I'm a US citizen. They provided me with a US contact, they too were unable to assist as they didn't have authorization ( something like that ) to look further beyond the name. The last guy told me to call Equifax XXXX back on Monday to which I replied I talked with them that morning. He believed that I was routed to a global contact center and that I should try the new number he gave me Monday morning. So on XX/XX/XXXX, I called Equifax XXXX and explained my issue and that I was trying to verify the inquiry/dispute it. He too told me that because I'm in the US to contact the US office. So he provides me with a new number, I call it and the young lady explains that she can have a letter sent to me to explain further ( I found out later that what she was attempting to do was submit a dispute on my behalf ) in a week or two. Because I didn't want to wait, I asked if there was a way to escalate. She stated that there was a specific group that could help but they'd ask me for one of two items ... .I 'm not sure of the first one but the other would be a police report. Still bothered by the fact that I'm talking to Equifax about an Equifax transaction I agreed to the letter AND to be connected to the specific group that was mentioned. As she completed providing me with the dispute confirmation # we got disconnected. I waited for my phone to recharge, called back, informed the rep of my previous call and he was able to connect me to that specific group mentioned earlier. During that call, I was told that they couldn't investigate any further given so few details were provided in the inquiry and that even though it mentions Equifax XXXX to not get confused as Equifax XXXX would not pull your US Equifax report anyway so most likely fraud. That's all I really wanted to hear and know. So he provided verbal instructions on what else I needed to provide to them which includes the following : a letter explaining what's happened ( like this one ), Driver 's License copy, SSN card copy, and a letter from the FTC. I pushed further for more instructions around the FTC letter and he seemed annoyed and simply told me to look it up and the instructions would be on there. Well, the instructions on the FTC site brought me here to the CFPB complaint form. All in all, this is my formal complaint regarding the inquiry but may in fact be twofold considering what I've gone through to attempt a good faith effort to verify. Given his attitude at the end and the fact that we were also disconnected before I completed my questions, I'm starting to wonder if I've been sharing my information with the right people and not fraudsters. Thank you for reading. 
MH
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Lease Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and I have not received services nor goods from these providers.
Product: Credit reporting or other personal consumer reports

I had a title loan with this company for almost two years. I paid this loan each month and paid it off in full never missing a payment and only having one payment that was ever even late. Once this was paid off they reported to the credit bureas that the loan was paid in full but added two words in the note " redeemed repossesion ''. which was absolutely false. Last year I fought to get this removed and did and now its back. I have filed several disputes but they will not remove this statement.
Product: Debt collection

I get numerous calls a day, it disconnects everytime, so I called and it says they are Credence recovery or something. They ask my address and social security number, I would not tell. I asked them to stop calling this number. And they have been a nascent to me by calling so many times. 
They last called from XXXX.
Product: Credit card

XXXX issues : First, I opened a capital one credit card and had 3 months to spend {$XXXX}. On a recorded line on XXXX different occasions with XXXX different agents, they verified that my spending date was until XX/XX/XXXX. I spent over {$XXXX} by that date. Once the date had passed, I did not see the XXXX miles that I was owed. I called and they said that I needed to spend it by XX/XX/XXXX. My final payment, putting me over my limit went through on XX/XX/XXXX. I have asked for them to review the conversations on recorded lines in which it was clearly stated that I had until the XXXX, otherwise, I would have made my final purchase prior to the date. It has been over 2 months since that call was placed and I was told weeks ago that there would be follow up, which there has not been. 

Additionally, the promotion states that it is {$XXXX} to open a card and you receive {$XXXX} with of travel credit in my account. I have not seen that either. WHen I called, I was then told that I will only receive the XXXX after I renew the card the following year for another {$XXXX}. I have spent at least XXXX hours on recorded lines with multiple supervisors and have gotten no where. I am, at this point, going to start seeking legal action for the sheer ethos of it alone.
Product: Checking or savings account

TD bank withdrew XXXXXXXX XXXX that I deposited via remote deposit. they tell me that there was a transposition of one number and that the XXXX was withdrawn without my knowledge. the XXXX check that i deposited is no longer to be found and no one from TD will look at why they say not there and we have the right to say there was an error and withdrawal funds I am out XXXX.