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

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Sir/Madam, I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX Creditor Name : XXXX, TRANSUNION, XXXX Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within five business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress. 
I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation. 
I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken. 
Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report. 
P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. 
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, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by salence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 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 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 has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$570.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XXXX contacted coinbase wallet and I lost the money from my account. It was sent to an unauthorized address without my permission. They said that nothing could be done.
Product: Credit reporting or other personal consumer reports

I did a balance transfer from one account into the XXXX  card knowing that there was 0 % APR for 21 months, no annual fees, no late fees, and no penalty rate. Additionally, I read through the terms and conditions and there are no mention of penalties for carrying a balance but received a penalty on my credit report. I have reached out to Citi Bank multiple times to provide me with specific documentation stating that I'll be penalized for carrying a balance, I was never given this information.
Product: Mortgage

I have a mortgage loan with Bank of America and from XXXX to XXXX, it was easy to make a payment and all my banking information was already in the system. I would call and the payments were debited within a week. Fast forward to XX/XX/2020, I called Bank of America at XXXX and my first observation was that the system was asking me for banking information all over again. I keyed in my information to make my payment in the amount of {$1200.00}, but there was no confirmation number or or the dollar amount. The system used to ask the date that you wanted the payment to post to your account, but on this day I just received an automated voice saying " Thank you '' for your payment and goodbye. I then called back the customer service number and had to wait one hour and fifty minutes to speak with XXXX. After informing her of my payment issue, she gave me the following payment research number : ID # XXXX. I had not received any followup about the initial payment and call. So, I made another phone call on XX/XX/2020 and at XXXX XXXX. The customer service line at XXXX again stated a 90 minute hold time. I just wanted to know if my payment had been received. Instead of waiting the 90 minutes, I called the customer service line, but pressed the option for COVID assistance. XXXX answered the call within a few minutes and confirmed that my payment of {$1200.00} had been received and processed. However, due to the issues with the payment system, my payment still had not been debited from my checking account. I placed another call on XX/XX/2020 at XXXX XXXX  and waited until XXXX XXXX to speak with someone. XXXX stated she would escalate the issue and to check my bank account on XX/XX/2020. Upon checking my account, the payment of {$1200.00} still has not been debited. I usually make my payments right around the XXXX of the month. Today, XX/XX/2020, I wanted to make another payment, but when I called the customer service number XXXX, the payment system asked for my checking account information again. To remedy me not going through the same circumstances as XX/XX/2020, I tried to call and speak with someone to make a payment. Consequently, there was another 90 minute wait time. I am trying to make my payments on time and continue with my good credit. I am not behind on my payments and would just like to find out what happened with the payment on XX/XX/2020. I would also like to be able to trust my lender.
Product: Debt collection

In several phone calls to their office this month, I spoke with different associates trying to get a settlement with what the representatives said is a debt with Capital One credit card, and they are unreasonable, aggressive, and unrespectful. 
I offer to discuss the settlement several times -including today with who said is a Manager, XXXX- and he kept asking for my bank account and routing numbers to discuss a settlement. 
I am trying to do the right thing here, settling debts in the difficult moments that personally, and in the actual situation, we are all suffering. However, I do not consider giving my bank account information to somebody in XXXX to make my situation better. 
Appreciate the time and attention to this matter and give a reasonable settlement that my family can afford.
Product: Credit reporting or other personal consumer reports

I contacted XXXX because I noticed an unauthorized credit card taken out in my name ( which is my translated name in the XXXX, not the one I am filing the complaint under ) I let XXXX know that it is fraud and I never opened a XXXX account. I have had to let them know this twice now. I guess that they had to contact XXXX? XXXX has sent me XXXX letters now ( I can't find the first one ) with the latest stating that they can't stop the reporting until the authorized user has been removed from the account and if I had any questions or needed to remove the authorized user to contact them at the phone number listed on the back of the card. I never opened an account and do not have a card hence no phone number. XXXX did not even state that the account has been closed due to fraud. I looked up XXXX and called them but they did not have a record of any account in my name. I looked up the po box listed on the letter and it comes up with another po box number listed as if the one on the letter does not exist. I also noticed that XXXX is a subsidiary of XXXX and the letter states the account number and lists it as a XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate reddress for these violations.
Product: Student loan

I never knew that this school was private. I also am now banned from the student portal to access anything. I was told to have it repaid before I graduate which is another year... ..and now I'm on a financial hold. I need to report this as well as the loan I took out for my son whom withdrew and went to the military. It's restraining me from progressing with my schooling and other obligations. What can be done
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint SELFINC/LEAD about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Looked up credit report and seen this company name on my report to collect a debt XX/XX/year>. Want to report identity theft don't know this company have never did business with or communicated with this company just show up on my credit reports without any of my knowledge and consent. I'm requesting verification/validation of this debt, copy of the contract or agreement signed by original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned documents is not verification of the alleged debt. Also note whether this that is within the statue of limitations and how that was determined. You are on notice that you are unlawfully attempting to collect the above listed debt. Cease and desist all collection activities, including reporting to the consumer reporting agency.
Product: Vehicle loan or lease

WHEN I DIAL XXXX XXXX XXXX PROMPT SAYS THAT I HAVE XXXX ACCOUNTS : XXXX, AND XXXX. 
XXXX???????? 
XXXX WAS TRADED IN XXXX OF XXXX TOWARDS ANOTHER XXXX AT XXXX XXXX ( PLEASE SEE ATTACHMENT ) I HAVE NO RESIDUAL OBLIGATIONS FOR THE XXXX THAT WAS TRADED. 
ONE AGENT TOLD ME THAT I OWE OVER {$300.00} BECAUSE I, " DIDN'T CANCEL MY PLATE. ''???????? 
TODAY, XX/XX/XXXX, A, XXXX TOLD ME I NOW " OWE {$100.00} FOR A PROPERTY TAX. ''????? 
GET THE " {$100.00} '' FROM XXXX XXXX WHO CLEARED THE XXXX AS A TRADE, PLEASE!
Product: Debt collection

On XX/XX/XXXX, I called Capitol One about an account that was turned over to their collection department. I tried numerous times and no one answered my call. My sister had guardianship/conservatorship. During the time she was in charge of my finances, she did not pay 4 of my bills and Capitol One was one of them. I could not have them verify the debt nor could I see if my sister had used the card for purchases herself.
Product: Debt collection

I was contacted via Postal Mail on XXXX XXXX about a XXXX  credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by Midland Funding Inc XXXX XXXX XXXX  XXXX MiXXXX  ( Judgment Creditor ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included XXXX XXXXXXXX XXXX ( the true creditor ) out of XXXX Ohio. Judgment : {$980.00} on XX/XX/, total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with XXXXXXXX XXXX with the last payment made in XX/XX/. I visited the Local XXXXXXXX XXXX Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to Midland the debt collector also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to fix an inaccurate account on my report with experian. Acima credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for XXXX and Acima to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.
Product: Debt collection

On XX/XX/XXXX I've submitted CFPB complaint # XXXX against XXXX XXXX XXXX XXXX ( XXXX ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with XXXX  via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from XXXX accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of XXXX   practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting XXXX  via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called Synergetic Communication, Inc. ( SCI ) demanding for me to pay {$100.00} where the Original Creditor is XXXX, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact SCI via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.
Product: Credit reporting

This complaint was resolved by its removal from Experian on XX/XX/XXXX. This was my Case number : XXXX How do I get it removed from Transunion and Equifax? 

I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XX/XX/XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!
Product: Credit card or prepaid card

Best Buy does not list the names of items purchased on statements of it's Best Buy Card.

I do not know of any other company that does this. I have had my credit card misused and going through a divorce. I need to have proof what items where purchased that I paid for through auto payments set up by the purchaser from a joint checking account intended for mortgage, taxes and utilities only. in order to settle. 

I have called a number of times with no results. I called about a month ago to find that it is practically impossible. I speak to the credit card reps who refer me to another department that referred me back to the credit card reps. And so the circle continues. 

I am told a new company is now handling their credit card billing which implies it is even more difficult to get this information than ever. Since I have never received this information in the past, I can only imagine what my chances are now. This is all very unfortunate for Best Buy customers.
Product: Checking or savings account

I had a joint variable CD with United Services Automobile Association ( USAA ) bank that I shared with my spouse for the amount of {$2200.00}. 

My spouse withdrew the full amount of {$2200.00} on XX/XX/XXXX of XXXX  at around XXXX hours. 

My Spouse transferred {$2000.00} to our Joint Savings account at around XXXX hours. 

I attempted to transfer {$2000.00} back into the CD but received an error message on my USAA banking app at around XXXX hours. 

The money was no longer in my savings account nor in the CD. Therefore, I waited XXXX hours to see if the it would transfer over night. 

On XXXX XXXX I did not see the funds in either account, so I contacted USAA and spoke to a representative who stated to wait an additional business day to let the system sort itself out. 

I waited XXXX ( XXXX ) days and still did not see my funds and I contacted USAA to inform them as such. The Representative submitted a claim/ dispute and told me to wait XXXX hours after the Representative agreed that the funds cant be found. 

On XX/XX/XXXX the investigation was completed and it was stated that the funds was credited back into my savings account but it was not. The investigation mistaken the {$2000.00} that was transferred by my wife to our joint account on XX/XX/XXXX as a credit. 

I contacted USAA and the representative that had me on hold for XXXX ( XXXX ) hours stated she saw the error and is submitting an additional claim/ dispute for the investigation. I then spoke to a XXXX of that representative who stated that I might not get approved to receive the funds back into my account.
Product: Payday loan, title loan, or personal loan

XXXX months ago I checked my XXXX XXXX and it had dropped noticeably and I wondered why? I contacted XXXX ( XXXX source of my XXXX XXXX ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with Experian and on their advice also filed a fraud report with the XXXX XXXX, CA XXXX XXXX XXXX ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that XXXX had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance