23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication regarding the investigation results of my credit dispute, dated XX/XX/year>, in which you failed to provide the demanded information regarding the status of certain disputed items on my credit report had the investigation results came back as verified. 

While I appreciate your efforts to address my concerns, I must express my dissatisfaction with the response provided. Upon reviewing the details provided by Equifax, I find that there are several crucial points that remain unaddressed and demand immediate attention. 

First and foremost, I had explicitly requested that Equifax provide me with the investigation results, including all documentary material, in accordance with the Fair Credit Reporting Act ( FCRA ). However, the response provided by Equifax fails to fulfill this demand. It is imperative that I am provided with detailed documentation regarding the investigation process and validation of the disputed accounts, if these things can not be provided, they are to remove the accounts within 4 days as per the statutory requirements outlined in 15 U.S. Code 1681c2.

Furthermore, Equifax 's statement that the investigations were performed " where applicable '' raises significant concerns. It is my contention that if an investigation could not be thoroughly completed and documented, then the disputed accounts must be removed from my credit report altogether. The failure to provide comprehensive investigation results is a violation of federal law and constitutes a breach of trust between Equifax and myself as a consumer.

Additionally, I had specifically requested that Equifax provide me with all documentary material regarding the validation of the disputed accounts, including any agreements between the alleged creditors and debt collectors involved in the attempted debt collection process. However, Equifax has failed to provide this essential information, citing company policy as justification. It is important to emphasize that company policy does not supersede federal laws and regulations, and Equifax is obligated to adhere to the requirements set forth in the FCRA as well as the United States Codes.

Furthermore, Equifax 's response regarding inquiries on my credit file is inadequate. Inquiries are not made in stone and neither inquiries or anything else just be placed onto the report without me first giving expressed consent. I reiterate that my primary concern lies with the thoroughness and accuracy of the investigation results regarding the disputed accounts and the right to claim of harm due to financial trespass and conspiracy of the alleged creditor, Equifax and the CFPB to deprive the living woman her unalienable right to the pursuit of happiness and financial freedom.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  AND  XXXX  of   XXXX   XXXX   continues to make unauthorized HARD credit inquiries into my Equifax  Credit  file.     In  XXXX  of  XXXX  I borrowed from  XXXX  to purchase a  XXXX  car through   XXXX   XXXX    XXXX  and took the loan to obtain a rebate.     I paid the car loan off in 60 days. Yes paid off the car loan in 2 months in  XXXX  last year.     However,  XXXX  and  XXXX   XXXX   XXXX  made  2  inquiries in my credit bureau at the time. I notified them of the extra inquiry which was not authorized.     I have just now learned they have AGAIN made  2 ne w HARD inquiries into my credit bureau on  XXXX   XXXX  of this year  XXXX . These are unauthorized and fraudulent usage of my personal credit information. Calling the dealer and  XXXX   XXXX   XXXX  has resulted in no returned calls or response to the new  XXXX  fraudulent hard inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Unable to use TransUnion website to freeze credit - the website does not function. Unable to reach anyone by phone or chat.
Product: Debt collection

On the day XX/XX/year> a new collection was added to my credit report. And the next day i got a bunch of calls and it hasnt stopped to this day and they cant even provide me proper documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied online for a Capital One QuickSilver Credit Card. Being an existing Capital One Bank customer, I was approved within minutes.

I received the card on XX/XX/2019, and began using it almost immediately.

On XX/XX/XXXX - less than one week after I received the card - I received a call from XXXX XXXX at the Capital One Fraud Department, informing me that my account is being frozen until the company can review my tax transcripts. In order for this to happen, she informed me, it would be necessary for me to fill out a copy of IRS form 4506-T,  which she would send me via email.

Within minutes of our conversation, I received an email from Ms XXXX with a link attached for a XXXX  version of that form.

I was, unfortunately, impossible for me to fill out the form that I was sent. My wife and I file taxes jointly, with her name appearing first. In that situation, the IRS requires that my wife 's name be written on line 1a, and mine on line 2a of the form. In the XXXX  version of the form that I was sent, line 2a was blocked out, and could not be filled.

I immediately called Capital One to request a new copy of the form. My request was not honored.

Since then, I have called the Capital One Fraud Department at their published phone number no less than 6 times - twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX. I have spoken with 6 representatives, including two managers, XXXX   and XXXX. I have spent close to 3 hours on the phone with their agents. On each occasion, I was told that my issue can only be resolved by the case owner - that is, Ms XXXX. Only she has the power to send me a new copy of that form.

Each time, the representatives I spoke with promised to forward my request to her, but I have since received no response.

On XX/XX/XXXX, I was promised that I would receive a new form via email by the close of that business day, but that email never materialized.

I made several requests to speak with the case owner directly, but was first told she was unavailable, and later told that she does not ever accept phone calls.

I have also made several attempts to contact Ms XXXX directly by email, and have received no response from her.

All I need is for Capital One to resend me IRS form 4506-T for joint filers. I believe my request is quite simple and straightforward, and do not understand why they can not send me said form. Why is this a weeks-long process involving hours of my time spent on the phone?

If you could arrange for Capital One to deal with this issue and send me the form in an expedited fashion, so that I can get my account unfrozen ( defrosted? ), it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card through XXXXXXXX XXXX XXXX reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card account # XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate, .This is grounds for removal. 

THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. EXPERIAN HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. 

Experian ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to Experian the person to furnish anything on my consumer report.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EXPERIAN HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS.

SEE ATTACHED LETTER.
Product: Credit reporting or other personal consumer reports

This COMPLIANT is a request to investigate the accounts listed below in my credit file. Credit bureau NOT DOING YOUR JOB to investigate and remove these accounts in my credit file. Until now they are reporting in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX - OPEN ACCOUNTS IN MY NAME WITHOUT MY CONSENT VIOLATION OF RIGHT TO PRIVACY AND ALL 3 CREDIT REPORTING AGENCY ARE FAILING TO DO ITS FIDUCIARY DUTY BY VALIDATING ACCURATE INFORMATION. I EVEN PROCESS NEGOTIABLE INSTRUMENTS VIA PROMISSORY NOTE AND PAYMENT COUPONS, WHICH XXXXXXXX XXXX XXXX XXXX XXXX KEPT AS PAYMENT AND NEVER RETURNED THEM, BUT FAIL TO XXXX  MY PRINCIPAL BALANCE AFTER PAYMENT WAS RECEIVED. XXXX XXXX XXXX XXXX XXXX  ARE IN VIOLATION OF SECURITIES FRAUD. I PRESENT YOU MY FREEDOM OF INFORMATION ACT DOCUMENTS SHOWING THAT XXXX XXXXXXXX XXXX XXXX  HAVE NO JURISDICTION TO STEAL MY PROPERTY. I ALSO DEMAND FULL REIMBURSEMENT FOR ALL MY SECURITIES AND ALL FUNDS THAT WERE STOLEN WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My chase account was closed on XX/XX/XXXX and there was a balance of around {$26000.00}, but I haven't received the check. I called Chase almost once a week to follow up with the situation and every time they said there were no updates and the reasons for closing the account were unknown. When my account was first closed, they said my check would be shipped in XX/XX/XXXX, but now it is almost XXXX and they still did not give me any updates or explanations.
Product: Credit reporting or other personal consumer reports

Effective XX/XX/year>, my Student Loan account balance changed and has not been posted on my credit reports. Nonetheless, all negative accounts, such as overbalance on my credit cards, are reported immediately.

This is preventing my FICO Score from increasing while I'm losing points for being overbalanced on credit cards. As a result, I can not qualify for a loan to consolidate my debt, working through becoming debt-free. In addition, I regretfully had to apply for a high-interest loan with XXXX to move a month ago.
Product: Checking or savings account

NC State Employees Credit Union closed my checking account after I was a victim of identity theft. They then reported to XXXX XXXX XXXX therefore I can not open a bank account with any other bank.
Product: Credit reporting or other personal consumer reports

Hello I have been trying to get the credit bureaus to investigate some accounts that are being reported on my report, but so far they have not given me a solution, please verify the documents attached to this complaint. Thank you
Product: Student loan

On XX/XX/XXXX, I contacted Nelnet to request that my payment date be moved from the XXXX of each month to the XXXX of each month beginning XX/XX/XXXX. I requested confirmation that my account would not be charged twice in XXXX by autodraft as a double draft in XXXX was not authorized. I was assured multiple times that I would only be charged once in XXXX on the XXXX. My account was debited by autopayment which posted to my bank account on XX/XX/XXXX. Although the payment was not authorized, I received a billing statement for XXXX ( by email on Saturday XX/XX/XXXX ) indicating that a payment was due and would be debited on XX/XX/XXXX. On XX/XX/XXXX, my account was debited a second time. Both debits covered an entire monthly payment in the amount of {$960.00}. I contacted Nelnet to reverse the unauthorized transfer and was told I would need to contact my bank to reverse the payment. I contacted my bank and was told Nelnet would need to reverse the payment on their end, but I initiated a claim for the unauthorized payment with my banking institution. I contacted Nelnet again and was told that nothing could be done and a refund would not be available as a remedy for at least 20 days, although the agent admitted that the second payment was not authorized. The servicer has essentially stated that it is entitled to hold onto a significant amount of money that it obtained without authorization and that I am without remedy or access to those funds for at least 20 days.
Product: Credit card or prepaid card

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023 and XX/XX/2023, CNAC charged off my loan as bad credit and then also proceeded to add an ADDITIONAL hard pull on my credit report WITHOUT my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept ED XXXX reflects 4 times on my credit report because they are 4 different loans but it was transferred and consolidated to XXXX.
Product: Checking or savings account

I transferred money into my Bank of America current account on XX/XX/XXXX. My account cycle closes on XX/XX/XXXX. Bank of America held back those funds and cleared them on XX/XX/XXXX, a day after the close and charged me a {$12.00} maintenance fee. When I called to inquire, they said it was a clearing issue and refused to refund the money to me. I want my money back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX  Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Furnishing Consumer Reports To Persons without a Permissible purpose or Legitimate Business Reason To : Whom it may concern These companies are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 


Experian 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my Experian, Equifax, and TransUnion consumer reports on the dates listed above without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which
the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report.