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

Equifax continues to report wrong information to my credit report that have XXXX XXXX card ending XXXX and this account does not belong to. I have not applied for a card XXXX XXXX XXXX ending in this number or have given anyone permission to put me on this account. 
Equifax is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I am receiving calls from Conn 's Appliance Company at least 12 times per day which is ridiculous. I was late on my XX/XX/XXXX payment however, the payment was sent. I have had an account with them for over 3 years and this is the first time I have EVER been delinquent. I was late because of fraud on my bank account that has taken a while to get resolved and I am still in the process of that.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card

This has been previously reported. I started reporting some charges on my account around XX/XX/XXXX. Various cases were created for me and i was always told someone will reach out to me within 3-5 business days. No one will but I will but if i am lucky i will receive information that it has been resolved and the after a while i will receive the same alert again that i owed. Affirm can provide the numerous cases that was created from the calls i was making to them to get this resolved and on each occasion i received conflicting information on its resolution and even the number of disputes. The purchases i made with the account was paid off in full, Even a ticket worth over a {$1000.00} was paid off. These purchases pinned on me were not made by me and i have even asked Affirm to provide the items for those purchases which i never received. 
I started calling them when i noticed these from XX/XX/XXXX. If they had resolved this timely like i was told on the phone communication with them and i had not received conflicting information it would not have gotten this far. there are some charges that are a minimum of {$11.00}. I would not ruin my credit for such a minimal amount when i could pay for a ticket worth over {$1000.00} with the same affirm. 
Affirm has not been fair to me by not resolving this timely, providing conflicting information for me to believe this is being resolved and taken off my report in my phone communication with them, not providing me information on the purchases made as well as reporting this to the credit bureau when this had been reported and in dispute without a resolution. I even received an. early XXXX from Affirm that they had noticed suspicious activities on my account which was after these charges i did not make meaning someone was trying to use it again, and this was probably caught because i had reported and started the dispute for these ones i am complaining about. There has been numerous attempts after i started reporting the charges, even before the breach with evolve bank which i received an alert too. 
I repeat that i did not make those purchases. When my credit history is checked it will be found that my payment history is credible without any late payments, Please reopen this issue and assist with its resolution because it is not fair that i have to be made to pay for something i never purchased.
Product: Debt collection

Between XX/XX/2016 and XX/XX/2016 my wife and I had a series of communications from various people all claiming to be working for Direct Recovery Services.  These included phone calls from several different area codes (including calls to our son and my father in law via their phone numbers), an email and letter with a Minnesota address.  We asked via phone and email XX/XX/XXXX for complete verification information on the debt so we could look into the matter.  When this was not received by today (XX/XX/2016) I called the number on the letter and asked for the Senior Account Manager who signed it.  I never got a straight answer on if that person was available but the gentleman who answered said she was one of his employees and he could handle everything.  He gave me what I feel was a rushed pressure to settle with them or else pitch.  When I explained we wanted complete verification info on the debt all he could give me was what he claimed to be the date and original bank account on our end for the original debt.  My records and a call to the bank confirmed the account he gave me the number for was closed almost 2 years prior to the date he had in his records.  When I called back with this info I had a shorter, more rushed conversation that ended with the rep hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX  had it removed from XXXX an XXXX but experian is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false information
Product: Credit card or prepaid card

I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I  called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three  months and missed payments on a number of bills due to this issue
Product: Credit reporting or other personal consumer reports

Like they do everyday, like a criminal sneaking in the middle of the night experian closed another 2 complaints without having addressed the issues but once again giving childish explanations that have absolutely nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
Credco XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please block and remove them from my report i have tried everything.
Product: Checking or savings account

I sent some money through XXXX and the other person never received it so I sent it a couple of times my bank said that I had already submitted that information to that person and sent the money and I couldn't do anything about it the money was lost
Product: Prepaid card

Hello my story is simple. A female called Netspend ( a debit card ) company and had my card cancelled. Then had a new card sent to her address. Yes she had my personal info saved on her computer. Something I did n't know about. she was able to change security questions, user name, password etc. I was able to prove that was n't me who called. So the card sent to her address was cancelled and I was issued a new one. I did a police report and contacted credit bureau. I need proof she is the one who did it. So I called Netspend to send something anything showing all the notes on my account. They said no can do. So guess what. the lady will not be charged. No she was not able to spend any money but she still stole my identy to have a new card sent to her address. All I want was a print out of my account activity. I could n't get any help. All I got was I 'm sorry. Well I 'm upset just do to the fact that she know she got away with it cause I had no proof. Now she see. Me and smile or laugh in my face. I do not trust any debit card companies any more. I know it 's not their fault but aleast i could have gotten a little help just so she be punished for something. No I 'm not wealthy so I was not able to get a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 an Inquiry was made on my credit report. It was through Capital One. Name on it is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number ( XXXX ) XXXX. 

It is my name and phone number but I have never lived in California. 

I have contacted all three reporting agencies and Capital one to have this inquiry removed from my credit report. 

I do not know anyone at this address. This is the XXXX time I have seen an inquiry from Capital one on my credit report. Once in XX/XX/2022 and now again in XXXX. The one from XXXX was removed. 

Thank you XXXX XXXX
Product: Checking or savings account

It was several times that money was taken from my account without my authorization. Who and why they was taking my money I do not know but I wish I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I applied for an apartment and my application was denied due to Equifax reporting inaccurate information on my credit file from identity theft incendents that have already previously been confirmed as identity theft and removed from my credit reports and files. I want every trace of the identity theft removed from my credit files so that I will never have this issue again when applying for credit. It 's not fair that I, as a victim, am still suffering from with the acts of XXXX against me at the identity Theft 's hands .... Please update my credit file promptly, so that any judgements, rental history, credit cards and loans are no longer showing on my reports as a result of fraud. 

Thanks XXXX XXXX
Product: Debt collection

Upon separation from my ex-husband I became aware that numerous accounts where opened up fraudulently in my name by him & his girlfriend & were now being reported on my credit. The account in question is from Victoria Secret original account # XXXX & was opened approximately XX/XX/XXXX. In the process of cleaning up my credit I tried to reach out to Comenity who was the original holder of the account but was told it was sold to XXXX XXXX. I finally was able to have contact with XXXX XXXX & informed them the account was fraudulent & was not opened up with my consent. They argued with me & basically told me I was lying. After numerous phone calls and failed interactions they opened up a dispute & on XX/XX/XXXX sent me a letter informing me they would need an FTC report & also stated they have requested the credit reporting agency update the account as disputed ( which never happened ). I filed my FTC report & on XX/XX/XXXX & faxed it over to them. I gave it some time & reached out once again because nothing was changing and it was still being reported. I spoke to XXXX at extension XXXX who stated they did intact find the account to be fraudent but they were running into a problem with who should actually remove the account because she then stated they didn't hold the account the original company Comenity did. She suggested I call them and tell them the situation and that I could even give them her extension & she would explain her company found it to be fraud so on and so forth. It didn't make any sense to me at all because one company would say the other held the debt and it was there job to remove it and the other would say the same. I grew increasing frustrated with the situation and was told to give it some time to run through the necessary channels. I am now once again trying to resolve this issue so I can clear my credit and once again today XX/XX/XXXX after calling XXXX & pressing ex XXXX was hung up on after explaining some of the situation ( being told nobody by the name of XXXX works there ) & they now are refusing to answer the phone. I've had it with this company and don't know where to go to move foward. During all of this I also filed an Ftc report for an account that was opened fraudulently with XXXX. They found it to be fraud & immediately removed from my credit per the law. So why is this company allowed to continue reporting something they said they know is fraud & then make it impossible for consumers to communicate with them while they are rude, call you liars, hang the phone up or refuse to answer it, & a drag this process out for over a year. Totally ridiculous & I'm expecting them to finally do the right thing & remove this account.
Product: Checking or savings account

On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX  but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.
Product: Credit reporting or other personal consumer reports

Experian should ensure that only my correct personal information is reported in their records. All inaccurate details should be removed and replaced with accurate information. My correct name is XXXX XXXX XXXX XXXX, my correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my correct employer info is XXXX XXXX XXXX. Additionally, any phone numbers listed on my report should be removed. Reporting incorrect personal information violates the requirements of maximum possible accuracy under 15 USC 1681e ( b ), which includes making sure that only correct and authorized information is provided. Failure to remove this may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last six months, I've been disputing a 30 and 60 day late that is on my credit report with XXXX  and Trans Union. XXXX XXXX XXXX has sent two updates to delete the inaccurate information and update, I have sent numerous investigation requests online, spent hours on the phone being bounced around to their offshore departments that have been denied and even uploading the letter from XXXX XXXX XXXX. Help.
Product: Mortgage

my mother is elderly and has been entertaining a reverse mortgage. she has been working with a broker for many months. she decided to list her home to see if selling would be a better option since rates are astronomical for a reverse mortgage. the day the home was listed, the broker reached out to my mother to tell her that rates are sky rocketing and she must sign immediately or her payout will be reduced by XXXX XXXX ( which is obviously not accurate ). since that time ( last friday ), she has consistently pushed her to close the loan by tomorrow, which because of the pressure she agreed to do. 

I feel strongly that she is being lied to & taken advantage of by the mortgage broker, due to her age & lack of financial savvy.
Product: Credit reporting or other personal consumer reports

I requested a credit line increase from XXXX XXXX and received a denial letter stating there was legal action pending against me. I a reviewed my Consumer Reports and there is no legal action pending by any credit agency. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never had any legal action pending against me on XXXX XXXX XXXXXXXX : acct number XXXX. Please investigate and provide Proof there is legal action pending. It proof can't be provided I demand my credit is updated and the legal action be removed from my reports.
Product: Credit card

I transferred money from frontier  to XXXX XXXX XXXX XXXX got money frontier still charging me. Frontier bank can not understand they keep saying I transferred XXXX XXXX  to them they can not understand no matter what I say they get it wrong. I want XXXX  to quit charging me it went to XXXX. This has been going on since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a phone call from a car dealership regarding a purchase of a vehicle. I informed the dealer that I had not been to their dealership and was not in the market for a car. I also received alerts from Equifax Complete which is a credit monitoring service I subscribe to. I contacted Equifax and requested a Fraud Alert and to have my credit file locked. In all 4 Hard Credit Inquiries were generated to Equifax in this fraudulent activity. I again contacted Equifax by phone and advised them that we had several vehicle burglaries in my neighborhood to include my vehicle. Personal information was exposed. I was told by Equifax to file a police report regarding the identify theft and forward the report to them along with a dispute for the 4 fraudulent. I did exactly that. I received a response from Equifax that stated " Inquiries are a factual record of file access '' and they refused to remove the fraudulent inquiries. I again contacted Equifax by phone and was then told that I needed to file a FTC Fraud Report. I attempted to do so, but FTC does not take a report in cases where an account was not opened. 

Bottom line is, I did not apply for credit. The 4 inquiries are hurting my credit score which is making me once again a victim.
Product: Debt collection

Attempted to resolved outstanding balance on account. Sent offer of settlement with letter agreeing to accepting term of settlement. Payment towards settlement returned. 
Since this payment was refused, I DO NOT owe any balances. 
I request a formal written statement from the company that this account has been closed and satisfied. Hopefully, the written statement does not look like a XXXX XXXX XXXX wrote it. Please see attached.
Product: Credit reporting or other personal consumer reports

They pulled my credit without my consent. I went to the dealership for a purchase of a car and they pulled my credit with numerous institutions that I did not know that they would do that on XX/XX/scrub>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, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXXTransUnion refuses to remove me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/TransUnion job for them to shield my credit & prove my identity. I've sent documentation of the concerned XXXX in question prior and they STILL refused to FIX this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3400.00}
Product: Vehicle loan or lease

I have a ford XXXX XXXX the lease was completed on XXXX XXXX. I called the ford dealer for two more months of extension.they gave me XXXX XXXX to cover the balance.i called on XXXX XXXX to make a payment of XXXX XXXXthe ford dealer do n't wanted to receive my payment.that date until today I tried to make an arrangement with the ford dealer.but they refuse to do someting about it.today XXXX XXXX I received a call from the Ford dealer and telling me this weekend delivered the vehicle to the ford dealer.and i want my car and i want to pay for it.please help me!!!