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

RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Equifax and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 

XXXX XXXX XXXX -Business inquiry XXXX XXXX-Business inquiry. 

I request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Money transfers

I was hoaxed out of money for a dog that i never got.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested an acount be investigated for inaccuracies and to be deleted as it is violating my rights by being reported inaccurate. On XX/XX/XXXX i received an update stating in has been validated to be accurate. I did not receive any documents concerning this validation. I do not have a copy of the account contract as well as the account was charged off and is showing a past due balance but also reports as being written off. The credit reporting agency did not do an actual verification. And account is negatively impacting me because of there negligence. The account in question is XXXX XXXX, account number is XXXX and it was charged off as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account BARCLAYS BANK DELAWARE ( XXXX ), has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ay open end consumer credit plan as late for anv purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved to overseas on XX/XX/2015 and I used live in XXXX and while I was in XXXX temporarily, I think my information was stolen and someone ( Maybe my room mate ) had used my information and opened a card and never paid. 


WF Acct # XXXX
Product: Credit reporting or other personal consumer reports

i have requested in writing, proof of agreement bearing signature showing i agreed to assume said debt with original creditor.
Product: Credit reporting or other personal consumer reports

CFPB I am writing to formally file a complaint regarding Experians consistent failure to comply with federal consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute inaccurate information on my consumer report, Experian continues to refuse to process my disputes, violating my rights as a consumer. 
It is my legal right to dispute any information on my credit report that I believe to be inaccurate. This report is **my** consumer report, not Experians, and I have every right to ensure its accuracy. Experian, a for-profit company that purports to protect consumer data, has repeatedly failed in its duty by neglecting my disputes. Despite providing the proper identification and clear evidence of inaccuracies, Experian continues to stall, using excuses such as claiming the dispute was not sent by the consumer. This is entirely unacceptable. 
Experian 's practices appear deliberately designed to avoid fulfilling their legal obligations to consumers. By refusing to process legitimate disputes, Experian not only disregards the law but also profits off inaccurate information that plagues consumer credit reports. Their lack of transparency, efficiency, and accountability is a blatant violation of my consumer rights. 
I previously submitted a complaint ( ID : XXXX ) on XX/XX/year>. As of XX/XX/year>, I received yet another of Experian 's template letters claiming they will not process the disputed information. This is a clear indication of their pattern of delay tactics and refusal to comply with legal obligations. I have attached the letter as a reference. Furthermore, I believe Experian 's actions disproportionately impact XXXX XXXX particularly XXXX and XXXX American consumers, who face discriminatory practices and deliberate negligence in the handling of their disputes. Experians refusal to address disputes and correct credit reports contributes to systemic inequalities, further damaging the financial standing of XXXX XXXX 
I will not tolerate this blatant disregard for my rights any longer. I will be pursuing legal action against Experian for non-compliance with federal law and for violating my consumer rights. I will also seek compensation for their failure to act, their ignorance, and their discriminatory practices. Experian can not continue to ignore the law, and I am prepared to take all necessary steps to hold them accountable. 

I urge the CFPB to take swift and decisive action against Experian for these unlawful practices. Experian 's continued refusal to process disputes, despite clear evidence, is unacceptable and harmful to consumers nationwide. I look forward to your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One has held my money and has given no explaination on why I can not receive my cash deposited last year! 

Account number XXXX They keep stalling and sending me to an account security department which leads to a voicemail and no one calls back. Fraudsters and theives of my money!
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. Change the balance and status for legal accuracy. Otherwise, remove ASAP. 
CAPITAL ONE BANK USA ***** Opened XXXX. XXXX, XXXX XXXX {$460.00} XXXX Charge Off CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00} // Charge Off CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off
Product: Credit card or prepaid card

I have a MasterCard with Barclays Bank they have blocked my access to my account the reason they give me that in XX/XX/2021 the word lawyer somehow got out of my account I never hired a lawyer I never talk to a lawyer I never talk to them about a lawyer this is XXXX they have no letters from a lawyer no contact from a lawyer I explain to them thats crazy if I had hired a lawyer for something they certainly wouldve contacted them at some time from XXXX until XXXX
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Mortgage

This is a reminder for case # XXXX which remains unanswered and is past due. If you have already responded, please provide a copy to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is being shown on my credit report as negative and delinquent, when it's been paid off for nearly 3 years. It was a XXXX XXXX card that was lost, and forgotten about. Eventually it went into collection unbeknownst to me. Once I was contacted by a collection agency, I paid it off immediately. The collections company is not listed on my report, so I have no way of contacting them. How long does my credit need to be punished for this? It's been long paid off. I have never missed another payment on any credit card or loan in a very long time. I'm climbing out of a credit mess, finally with good credit, yet this is still holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report File number XXXX dated XX/XX/2021 is wrong with2 address as XXXX XXXX XXXX XXXX XXXX XXXX as wrong Correct address ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Debt collection

Debt was paid my fianc had passed inXX/XX/2017 and my bills sat because of my XXXX & grief. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 

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

I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Equifax, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the XXXX pandemic. As a result of the unprecedented circumstances created by the XXXX pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner. In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Equifax, report accurate and up-to-date information. Given the unique circumstances brought about by the XXXX pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by Equifax. Equifax is also reporting my XXXX XXXX  account as open with a balance this is incorrect. My XXXX XXXX account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that CBE made a change to my credit report on or about XX/XX/XXXX. The debt in a previous complaint to CBE Group by Consumer was indicated to be a XXXX XXXX account. I do not owe XXXX XXXX any further payments and do not know this account was sent to collections, however XXXX alerted the consumer that in order for this to be applied to my credit report someone had to use my social security number. 
Attached is the retrievable payment ( s ) that are verifiable through the consumer bank statement. The payment history is not a full disclosure of payments made over the life of the account but is verification that the account was paid and perhaps overpaid as the current total charges on the closing bill was {$61.00} and I paid {$83.00} on XX/XX/XXXX and another {$83.00} on XX/XX/XXXX for a total of XXXX. The payment verifiable as being made prior to that was {$300.00} on XX/XX/XXXX. This account is one that may have been compromised due to a housing matter already reported to the CFPB occurring on or before XX/XX/XXXX. 

Attached as follow are : -Account Overview ( Acct Number XXXX ) indicating the Total Amount Due for XX/XX/XXXX was {$400.00}. Last Payment Received on XX/XX/XXXX was {$83.00}. Current Charges Billed on XX/XX/XXXX was {$0.00}. 
-XXXX, XXXX bank statement indicating XXXX was paid {$450.00} on XX/XX/XXXX and {$180.00} on XX/XX/XXXX -A XXXX bank statement indicating the XXXX Power account was paid on XXXX and Charged XXXX XXXX, XXXX in the amount of {$300.00}. 
-A XXXX bank statement indicating XXXX Power account was paid on XX/XX/XXXX in the amount of {$83.00} and on XX/XX/XXXX in the amount of {$83.00} with a deposit of {$160.00} on XX/XX/XXXX. 
-A XXXX bank statement indicating there was an ATM withdrawal in the amount of {$80.00} from XXXX XXXX XXXX and that withdrawal was placed in the XXXX XXXX bank account. 

Again, this account was not believed to be behind but likely overpaid. I will forward documents to the source of this alert as well.
Product: Credit reporting or other personal consumer reports

1. Accounts in Dispute : Account 1 : XXXX XXXX XXXX / XXXX XXXX XXXX account # XXXX Account 2 : XXXX XXXX XXXX XXXX account # XXXX I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information.

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts
Product: Credit reporting or other personal consumer reports

On multiple occasions, I submitted disputes to Experian regarding inaccuracies on my credit report. These disputes were filed on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. In each dispute, I explicitly requested Experian to provide original documents that would properly validate and verify the negative items listed on my credit report. 

Despite these requests, Experian failed to provide any documentation to support the accuracy of the reported negative items. This lack of response constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, at no point during this process did Experian inform me of my right to opt out of having my personal information reported and shared with third parties. 

Given Experian 's failure to provide proof of validation and its disregard for legal obligations, I am demanding that all negative and inaccurate information be removed from my credit report immediately. This removal must be completed within 48 hours. Should Experian fail to comply with this demand, I will have no choice but to file a federal lawsuit to enforce my rights under federal law. 

Sincerely, XXXX XXXX
Product: Mortgage

My Mortgage was sold to newrez. Newrez seems to be unable to recieve information or do math. We double paid XXXX payment they could not find, and we have reported the insurance 5 times. They do not respond. They now are charging me for insurance and have setup an impound account XXXX communication, does not seem to process any data, just terrible
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

U S DEPT OF EDXXXX XXXX
Product: Checking or savings account

I deposited a cashiers check i received for payment for some XXXX  work into my Capital One 360 checking account. After depositing it said funds would be available by XX/XX/2021. I received an email 2 days later that my funds had been deposited and I could tear up the check. I then went to look at my online account and it said my account was frozen but the money did show up on the available balance. I then went back to email to re read the email that I was sent. After finding that, re-reading to make sure I hadn't missed something, I found another email from later the same day or the next day with a number to call. I called the number for Capital One, this was Saturday before mother 's day and they were closed. So I called Monday. I was on hold waiting for over an hour. When I finally got someone she asked me to hold so she could review in which after a couple minutes the phone hung up so I had to call and go thru the same thing again. 3 hours later a lady gets on the phone and tells me my relationship with the bank had ended and that the lady before had explained that to me. I told her I didnt know what she was talking about since I had not gotten to talk to the other lady. She was pretty rude wouldn't explain anything, and told me the only way I could get any money before they decided to give it to me was if I went to the atm and called them, to go thru the wait I went thru to get to her I imagine. Not my account page shows the check funds no longer available as they were before and the check is on hold but my balance still shows the check. The check is about XXXX. I dont understandhow or why they would do any of this. Yall act like I did something wrong. And then telling me I can't get my money unless I go there and call them so I can get any money is the most outlandish thing ever.
Product: Checking or savings account

Friday, XX/XX/XXXX, rec 'd fraud alert fr BoA ; texted last transaction legitimate. Block not removed ; called, advised wait time long, would call me back. Bank called back, call immediately disconnected. I immediately called back, learned long wait time, hung up as I was at work. Went to branch same day ( XX/XX/XXXX ) XXXX XXXX appt, branch called Fraud Dept. Block removed, used ATM, went up street ; card declined. Now after XXXX XXXX ; branch closed. Called Fraud Dept yet again, reached someone, call disconnected. She called back, said they couldn't figure out what wrong ; put on hold so long call rerouted to main number, I hung up, they never called back. Next morning XX/XX/XXXX went to branch AGAIN, withdrew all . Card still blocked ; on XX/XX/XXXX WENT TO BRANCH 3rd TIME IN 5 DAYS. Branch called Fraud Dept 3RD TIME IN 5 DAYS. Block allegedly removed. Next day XX/XX/XXXX card blocked again ; guy in Fraud Dept said he'd see if block could be permanently removed. On XX/XX/XXXX card still blocked ; branch advised only thing they could do is issue new debit card. Called Fraud Dept same day ( XX/XX/XXXX ) ; tried using debit card online while waited on phone ; card still blocked ; Tech Support advised " didn't see any transactions since XX/XX/XXXX '', that card not blocked, yet still doesn't work. IT IS NOW 7 DAYS IN A ROW I HAVE ONLY BEEN ABLE TO ACCESS FUNDS BY GOING TO TELLER AT BRANCH, AND I DON'T OWN CAR. Advised Tech Support I would be filing CFPB Complaint. I just recently filed/resolved CFPB complaint ( # XXXX ) and wondering if this is retaliation for previous CFPB complaint.