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

Collection item on TransUnion report was to be deleted and agreed with collection agency. Dispute filed XX/XX/XXXX to delete, Transunion completed investigation and sent notice tradeline would be Deleted. Told it takes 72 hours.after chatting with numerous associates, disconnected during chat. Told today XX/XX/XXXX that they never agreed to delete, and information I have is not from them or I am being dishonest. 

I submitted this dispute to resolve an issue that was inhibiting me from securing an auto loan. Following the direction of TransUnion. I was turned down for one loan with XXXX XXXX XXXX and possibly approved a for a subprime loan at XXXX  % this failure of TransUnion to so what they agreed in writing and subsequently accuse me of lying wiil cost me nearly $ XXXX in XXXX XXXX charges ( if I can get a loan t all/ )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax closes a previous case and does not investigate, their INCLUDED WITH QUOTES. 

ASKING XXXX  IF EVERYTHING IS CORRECT IS WILLINGLY HURTING ME. THIS HAS BEEN GOING ON FOR 6 YEARS, AND YOUR RESPONSE IS TO SAY YOU WILL INVESTIGATE? YOU HAVE INVESTIGATED OVER 20 TIMES AND HAVE MORE THAN HALF OF THE MONTHLY REPORTING AS INCORRECT. YOU HAVE BEEN REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT REPORT FOR 6 YEARS AND YOU DO NOTHING ABOUT IT. I WILL TURN A XXXX LAWSUIT INTO MILLIONS. YOU DO NOT GET TO RUIN SOMEONE'S LIFE FOR 6 YEARS AND COUNTING AND REFUSE TO DO ANYTHING ABOUT IT. 

YOU ALSO KEEP ADDING A CALIFORNIA ADDRESS ON TO MY CREDIT REPORT THAT HAS BEEN DISPUTED OVER 5 TIMES AND YOU REMOVE IT AND ADD BACK A FEW DAYS OR A FEW WEEKS LATER. YOU SHOULD BE SUED FOR XXXX XXXX FOR RUINING LIVES. 


" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ''
Product: Checking or savings account

Good afternoon, My name is XXXX XXXX. I have been a capital one customer for over 5 years. I am deeply disheartened by how they illegally conduct business. 

I am a victim of Identity Theft and I submitted transactions that were not mine because I am FDIC insured against transactions that I did not commit. 

Capital One waits until the day before they're supposed to give me temporary credit to say my claim has been denied. 

I try to call them and ask them to do a thorough investigation and they do not. 

What they're doing is illegal! They purposely deny claims without properly conducting investigations and honestly, it's not fair or legal! 

Please reprimand them!
Product: Bank account or service

I deposited a check in XX/XX/2016 for {$300.00} for some freelance work I did for a client. The client reached out to me in XX/XX/2016 and told me that the check had been deposited a second time in XX/XX/2016. I investigated and found out the check was stolen from my car during a car break in and so the second deposit was made by the thief. My client told me they would file a dispute with their bank and try to get this sorted. Fast forward to today - I checked my bank account and found out that my bank had charged me {$300.00} for the double deposit from XX/XX/XXXX. So basically I did n't receive a cent from the funds and instead now the thief has all the money. I talked to my bank and they said they can not resolve it - only the check issuer 's bank can fix the problem. Unfortunately, my client told me that they already issued the dispute bank in XX/XX/XXXX and this is the result. I really do n't believe they would be willing to help me file another dispute to try to fix this and get me the money back. I have attached documents of both the original check deposited in XX/XX/XXXX and the fraudulent check deposited in XX/XX/2016. The fraudulent check has a FORGED signature on the back and you can see that the original check deposit did n't even have a signature on the back. I am now a victim of fraud, robbery, and forgery! Please help me get this money back!
Product: Credit card or prepaid card

So I signed up for a capitalone card. I saw a sign up bonus for the savior one purchase XXXX and receive a {$200.00} bonus. So I signed up for the card I spent about XXXX. I call in 1.5 months to see where my bonus is. They say we have one card savior one card with a bonus and one card with no bonus. I say I signed up for the one with the bonus otherwise I would have never signed up. Also what sense is having to of the exact same cards and one with no bonuses. Long story short they refused to give me my {$200.00} bonus.
Product: Mortgage

Wells Fargo flagged my credit for a late payment without notifying me that there was an outstanding balance on my account. I have multiple accounts with Wells Fargo and my information was up to date. Their " attempt '' to contact me was a quick phone call with no introduction and asking for the wrong person. Not only did they fail to introduce themselves at all ( name or company ), my name is on the account and they got it wrong. I figured it was just another telemarketer, but I found out later it was Wells Fargo! I have had this account for over 15 years with them and they could n't even complete a professional phone call to inform me of an issue with the account. Also, no attempt was made to email me or leave any messages. As soon as I was aware of the overdue amount, it was paid immediately but my credit score still dropped more than XXXX points. It was much easier for them just to cause severe damage to my credit than to make an attempt at customer service. I would not recommend Wells Fargo to anyone.
Product: Checking or savings account

My account with Bank of America ending in XXXX and XXXX had been in good standing. I had several claims from a credit card company that I owned and paid through this account. I filed the claim through the bank and some of the claims were paid. On XX/XX/XXXX my account was closed abruptly. At the time I learned the account was closed I had just arrived at my XXXXXXXX XXXX needless to say I had to reschedule because I couldnt pay my copay with my debit card and I didnt have any other way to pay. I have {$9500.00} in claims that should be paid as well as {$380.00} that was in my bank accounts. I called the bank several times and was told that they dont have to give me an explanation why they closed my account. Its a XXXX weekend and I dont have anything from my accounts and Im XXXX with a XXXX XXXX
Product: Mortgage

I have a delinquent tax account with my township. I emailed the mortgage company initially and got a response that did n't even address my tax situation, they simply replied by telling me of my most recent tax payment ( from escrow ) and told me to email again with further questions. After a few days, I called the servicing department and got someone on the phone. There was nothing she could do, but gave me an email address for the " delinquent tax '' department. I emailed them and got an auto response that said I should receive a reply within 24 hours. That was XXXX XXXX. As of today, XXXX XXXX, I have n't gotten a response. I have been in contact with the person who processed my loan ( loan officer ) and she has been very nice, but still nothing has been done. A few days ago, I emailed servicing department again and got another generic reply but this time it said the status of my issue was " solved '' even though nothing has changed. There is plenty of funds in escrow to pay my delinquent tax. It is nearly {$1900.00} including almost {$40.00} in interest. A portion of this past due amount is from the XXXX of 2016 and will soon go into tax sale, at which point a lien will be put on my property. I have been trying to get this resolved for several weeks now. I have requested to speak with a manager on several occasions to get it straightened out but that does n't seem to be an option. The last thing I was told was that they would get back to me within 4 business days ( that was Wednesday evening ) and I have n't heard from them as of XXXX today XXXX XXXX. All I 'm asking is for my taxes to be paid by my escrow account and paid accurately.
Product: Checking or savings account

THis morning I tried to link my account for a state funded grant and PNC stated their was an issue at the bank and they could not link my account at this time
Product: Student loan

Heartland ECSI has been retaliating against me regarding my complaints about their service. 

I obtained multiple student loans through my school, XXXX. For now, my school chooses to service its student loans through Heartland ECSI. My school put all student loans into forbearance until XX/XX/XXXX. Heartland ECSI sent me a false statement for XX/XX/XXXX saying I owed {$1200.00}. I then received another false statement for XX/XX/XXXX saying I owed {$1500.00}. Heartland said that it would fix the statements. 

Heartland makes it extremely difficult and time consuming for borrowers to make payments towards a single loan. I prefer to apply extra payments to loans XXXX at a time to pay them off faster, thereby removing a payment. I also target the higher interest loans first. Heartland requires borrowers to make a payment, which is applied against each loan. In my experience, most of the money has gone to the lowest interest loans, thereby extending the length of the loans. Entering this payment takes a few days. The borrower must then contact XXXX 's customer service to enter a request to adjust the loan to be applied against only XXXX loan. 

On XX/XX/XXXX, I made an extra payment of {$2800.00}. I then requested that this payment be applied to a single loan. Because Heartland had not fixed the false statements that it had been sending me since XXXX, I was misled into believing that my account was current. The next month, I was surprised when I was informed that I needed to make my monthly student loan payment for XXXX AND for XXXX. 

It took many conversations over several months to figure out that this is what had happened. After I informed XXXX 's customer service rep that I was saving my conversations with them, Heartland removed the option from the end of my chats to save a PDF of the chat. I have been saving XXXX docs and screenshots now instead. 

Just today, I was informed that if I want to keep making one-time extra payments in the manner that XXXX told me to many months ago, I need to be aware that Heartland XXXX deny my requests to adjust those payments to apply only to a single loan. Instead, the rep suggested that the preferred method is to set up an automatic recurring payment. That would be fine if I had a fixed extra amount that I was paying on a regular basis. But I do not. That means that XXXX 's default of applying payments to the lowest interest loans will lengthen the amount of time borrowers are forced to service their loans with XXXX and deal with their misleading and dishonest business practices.
Product: Debt collection

This debt was incurred in XX/XX/2016, while I was XXXX. I am not the responsible party, since the State of North Carolina has a duty to provide medical care to XXXX. On the date of service, I was an XXXX  in the XXXX  of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accordingly, the Department  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX  of the XXXX, is the responsible party for these charges. Please contact Medical Claims Management at ( XXXX ) XXXX, ( XXXX ) XXXX ( fax ). should you have any questions. You may contact XXXX XXXX Acting Controller at the same numbers should you need a contact name. Plesae remove me as the financial responsibility for this debt from collections and from all credit reporting agencies.
Product: Mortgage

Bank of America violated Federal Law by not placing a " disputed by consumer, '' on my credit report within 30 days. I have certified letters with signatures and waited 30 days after the signature to pull another credit report. They never did mark my report as disputed. I sent then another letter stating they have violated Federal Law under the Fair Credit Reporting Act, Section 807 ( p8 ) and I still have it showing on my credit report. By law they have to remove this negative correspondent on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of an item on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ). I request that you investigate the following item and either verify its accuracy or delete it from my report. 

Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX. 
Reported Issue : I do not recognize this account.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information.

Additionally, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written notification of the results of your investigation within 30 days, including a clear explanation of the steps taken and any supporting documentation used to verify the item in question. If you can not verify the item, it must be promptly deleted or corrected.

If the item is determined to be inaccurate or unverifiable, I request its removal under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This section requires the deletion of disputed information that can not be substantiated after an investigation. 

Please provide me with an updated copy of my credit report reflecting any changes. If you require additional information from me to process this dispute, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

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

I previously submitted a Disbute and complaint from cfpb to Experian and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to formally request the removal of certain inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have reviewed my credit report and noticed that the following inquiries were made 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 


These inquiries were made without my consent, and I believe they do not accurately represent my credit history. Under the FCRA, I have the right to dispute any inaccurate or unauthorized information in my credit report. 

I kindly request that you investigate these inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any actions you take regarding this matter. 

Thank you for your prompt attention to this request. I look forward to your response. 

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

Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Equifax, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Equifax to verify in collection accouunt information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Equifax to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Payday loan, title loan, or personal loan

received information in mail that my I was pre-approved for a loan. 

Being close to XXXX I applied on XX/XX/19 again because I applied 5 month ago and did not accept the loan. I telephone them and inbox indicated they had my prior information but I need to reapply, so I did on XX/XX/19, they indicate I would get a fast approval and Find Out Within Seconds If You Are Approved. they took my information online and someone was to call me but never did. 

I called them at XXXX and they indicated they do not have my information anymore and do not know who got my information at their company. 

now I am afraid about ID Theft because they are not follow FCRA in my case. 

spoken to them again to try and solve this problem and they " XXXX '' indicated they had a uploading problem and would call back however, I never received any further notices from them other than the pop-up saying I would receive a call from them to fund the application/loan,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency and is unacceptable and raised serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1700.00} Highest balance {$3500.00} Terms - On record until XX/XX/XXXX Payment historXXXX 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 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 This account is scheduled to continue on record until XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I request immediate removel of all disputed accounts. Experian has violated federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all items.