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

I am filing this complaint because Equifax deleted SEVERAL accounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Req uirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bus iness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under c lause ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 busi ness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserte d ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; a nd ( III ) a not ice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Product: Credit reporting or other personal consumer reports

Equifax refuse to update the correct balance that my creditor furnish to them. I paid off the entire balances on 2 of my XXXX accounts and paid down a 3rd XXXX account significantly. My creditor XXXX furnished this information to all 3 credit bureaus on XX/XX/XXXX. Two of the bureaus ( XXXX, XXXX ) updated my balances accordingly within 2 days, but For some reason Equifax refuse to update my file by keeping the old balances- why is that?! When I called Equifax, the rep couldnt provide any logical explanation other than try to blame the creditor, which clearly is not true since the other bureaus are reporting accurately. Im in the process of purchasing a mortgage so I cant afford to file a dispute to update balance on these cards which can take up to 30 days, I just want Equifax to report accurately the information that the creditor provided in a timely manner. Equifax also decided to change my XXXX XXXX XXXX card payment status from 5 YEARS AGO in XXXX  from 120 days to 150 days which also affected my score. The creditor did not just randomly decided to update this information on a closed account from 5 years ago, this was done all by Equifax as the other bureaus did not change. It seems as if Equifax focuses more on any factors that negatively impacts my score. Taking forever to update my paid off balances but randomly changed payment history on a closed account from 5 years ago. Lastly, only on Equifax where something as small as a dispute remark will drastically decrease my score. I truly look forward to the day when our nation address this horrific crisis that pertains to our credit bureauss lack of competency, inconsistent reporting, unfair and unethical practices- starting with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX ) XXXX XXXX. 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.
Product: Credit card

XX/XX/XXXX : i paid the full balance of my credit card for XXXX payment XX/XX/XXXX : Citi emaild me that it will recharge the full balance again since I am on autopayment XXXX read the email from XX/XX/XXXX for the first time. Immediately logged in to check if I can stop the payment and immediately called Citi when I saw that it has already been posted. THIS IS A BAD PROCESS DESIGN. When I asked the customer service manager whom I talk to, I was pointed to Legal by mailing a complaint. When I asked whom I can complain out of Citi, the manager told me that she does not know, which should not be the answer that I get as a consumer. 

Citi could have easily designed the process so that this double charging ( which I would say Citi is robbing me ). Manager told me that it will take at least 15 days to reverse the charges once it is drafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX  XXXX  XXXX  which is removed and also they are reporting a account for XXXX XXXX  which is a collection account for XXXX  XXXX  which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX  which was removed already by transunion but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late
Product: Credit card or prepaid card

Commenity Bank is charging interest on a late charge on my XXXX XXXX XXXX Credit Card that I should not have had assessed on my account. I have been working with them to resolve late payment posting issues. In XXXX they reversed my late charge, but the call center representative did not have the authority to reverse the interest that was charged on the late charge. So on XXXX I paid {$1.00} in interest as the representative could not correct this for me and I didn't want such a small amount to affect my credit report. I have made NO PURCHASES on this card since the late fee was assessed and the account has a {$0.00} balance, but I received a statement in the mail today for a {$2.00} balance for " minimum interest charge '' on the transaction I paid of interest on the late fee I should not have been charged. I believe their credit practices and they way they post payments and assess fees and interest are unfair and abusive in regards to the consumer. 

I would also like to reference CFPB complaint - XXXX They did not resolve my complaint, or answer my questions about posting. They blamed me as the consumer for not posting my payment on time and referred my to their account agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter 3. 
Information remains inaccurate & inconsistent thru 3 bureaus credit report
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I don't recognize nor applied to, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Credit card

Crypto.com is holding $ XXXX in money I have deposited, with no way for me to get it out of their platform. The debit card they assigned me doesnt work, every withdrawal I try to make leads me to an error in their app. Their customer services is completely unable or unwilling to help. It is an endless loop.
Product: Debt collection

This is an update to my complaint that was filed on XX/XX/XXXX. Upon learning of this debt from a bank levy, I have contacted the company numerous times and also the court officer who advise me to contact the debt collection agency. My bank account was garnished for the total amount of the debt from 2 separate bank accounts ( TWICE ). I have contacted the company to validate the debt which was from XX/XX/XXXX. They only told me I was notified and " they attempted to call '' but when asked what number did they try to contact me, they responded " they called. I was never notified of this judgement from XX/XX/XXXX properly and can prove my addresses over the years. The money that was levied was also funds that I received for my daughter from Social Security. I was told from a representative from the company to provided bank statements, proof of the social security funds and then I was told to disregard sending in the information and to call back later in the week. I only have a docket # XXXX XXXXXXXX XXXX. This account was not handled properly and I want them to release the funds that was improperly took from BOTH accounts. The count officer suggest that I follow up with the courts to have the money release. I'm sure the company can see that they took the money from two different accounts. Please prove that I was notified of this judgement, because I can prove that I was not notified properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.XXXX   XXXX XXXX AMOUNT $ XXXX  DATE OPENEDXX/XX/XXXX 2.SANTANDER CONSUMER USA  AMOUNT $ XXXX DATE OPENED XX/XX/XXXX 3.XXXX XXXX   XXXX AMOUNT : {$2000.00} DATE OPENED XX/XX/XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX  DATE OPENED XX/XX/XXXX INQUIRES XXXX/XXXX, XXXX   XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX want to place a fraud alert on my cnsumer report. Someone has been using my information to obtain fraudulent accounts and its hurting my possibilities for obtaining my own credit. I have found the following account : XXXX  XXXX ( XXXX ) fraudulent. I have never applied at XXXX XXXX please remove any accounts associated with XXXX  XXXX that have been opened under my name. Thank you
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Money transfer, virtual currency, or money service

My account was closed because they said I made transactions that didnt follow their policies. When I asked for an explanation and asked for the exact charges they were speaking of, they never provided that information. They said they were correct in their choice. Now I cant access my account anymore.
Product: Debt collection

[ XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] AMSHER COLLECTION SERVICES [ Agency Address ] [ City, State, Zip Code ] Subject : Debt Validation & Cease Reporting Request [ Account Number ] Dear AMSHER COLLECTION SERVICES, I am formally disputing the validity of the alleged debt reported under my name and Social Security number. Pursuant to my rights under federal law, I demand that you provide proper validation of the debt, as required by the following laws : 15 U.S. Code 1681 ( c ) ( 2 ) Restricts reporting of outdated negative information.

15 U.S. Code 1691 ( g ) Requires creditors to provide clear and accurate information regarding adverse actions.

15 U.S. Code 1692 ( c ) & ( g ) Governs communications and requires debt collectors to provide complete and verifiable debt validation.

15 U.S. Code 1681 ( e ) & ( i ) Mandates reasonable procedures for accuracy and dispute resolution regarding consumer credit information.

As per 15 U.S. Code 1692 ( g ), you are required to provide the following : A full breakdown of the alleged debt, including the original contract bearing my signature.

Documentation showing your legal authority to collect on this debt.

Proof that AMSHER COLLECTION SERVICES has complied with all reporting requirements under the FCRA.

A detailed account history, including payments, interest, fees, and any relevant calculations. 
Failure to provide this information within 30 days will constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( MO ) 281 SW 715,719, your failure to provide proof within the required timeframe will be taken as an admission that no such debt exists. 

Additionally, I demand that you : Immediately cease all collection efforts and communications regarding this alleged debt. 
Remove any derogatory information related to this account from my credit report. 
Failure to comply with my requests will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Furthermore, I reserve my right to take legal action against any continued violations of my rights under these federal laws. 

This request is being made in reference to XXXX XXXX XXXX and XXXX in connection with this dispute. Please ensure that all records, correspondence, and responses reflect these names accordingly. 

Please respond to this request in writing within 30 days. 

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

I recently conducted a credit report investigation that left me XXXX for days because I discovered facts that your agency failed to verify were true, erroneous, suspicious, and unverifiable. 

All information on my credit report must be completely accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely correct. All of the letters that were sent are attached below.
Product: Checking or savings account

I opened a new Account with Regions Bank and told them to Deposit {$500.00} in the Checking Account and {$50.00} in the Savings Account. They took the {$50.00} for the Savings then a error occurred where they took out 2 {$500.00} amounts from my account. They claimed the first {$500.00} amount was declined but my other financial institution said they were both approved. They then fixed it then within  24 hours of fixing it they did the EXACT SAME ERROR AGAIN. I have been fighting tooth and nail with them for 4 days getting this resolved and the entire time they have " forgotten '' about the first bank error and told me flat out to file a dispute. But I need this {$500.00} to pay bills and this has turned my life upside down and all I wanted to do was open a bank account to make my life easier. In reality the opposite happened.
Product: Debt collection

My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now XXXX XXXX and now sold as debt to Portfolio Recovery, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However XXXX, XXXX claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at Portfolio Recovery was started on XX/XX/XXXX, according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by XXXX XXXX to illegally extend the time limitations for almost 4 extra years. I called XXXX XXXX recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now Portfolio Recovery is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.
Product: Checking or savings account

I have received several correspondences from Well Fargo including a Checking Account Statement. I did not apply for, or authorize Wells Fargo to open an account in my name. All information on the account, specifically my Social Security Number, Drivers License Number and Birth Date were correct. The only incorrect information was the expiry date on my driver 's license. This leads me to suspect that either Wells Fargo or a complicit third party illegally obtained my identification information.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I made a wire transfer with my bank Wells Fargo of a total of {$16000.00} thinking I was working with the XXXX and XXXX XXXX XXXX XXXX. No questions were asked by bank representative and the wire was taken. Then on XX/XX/22 I sent another wire transfer because I was told my funds in my accounts were at risk for being stolen so I had to make a security hold wire transfer of XXXX. When I finally realized I was a victim of Fraud I went to the bank and told them what happened and showed proof of documents I received from who I thought was the FBI they opened 2 cases but then I was notified that one case was closed and cant get my money back. I also filed a police report and a report to state attorney general. Ive been a customer for years with Wells Fargo and now that I was a victim of Fraud and showed them everything they havent been able to help me get my money back.
Product: Checking or savings account

On XX/XX/XXXX, I opened up a Wells Fargo checking account with the help of my dad. When I signed up for a checking account with Wells Fargo, I was asked by the Wells Fargo bank employee ( XXXX XXXX ) about my desire for overdraft protection. I clearly conveyed my wishes and desire to not have overdraft protection in place. XXXX XXXX asked me what my desire was for transactions in which I did not have funds to cover the transactions. I told XXXX XXXX that I wish the transaction to be denied. My account was set up to deny all transactions in which I did not have the funds to cover it. 

This leads me to XX/XX/XXXX, when I received a check in my e-mail through a solicited vender for art services they were interested in of mine. I deposited the check in my bank. The vender was asking me to send money to a different person, which at this point, I was concerned that I was being scammed. And so, I sent the vender back their money through XXXX. However, the check was a bogus check and Wells Fargo penalized me for {$400.00}. 

I am disputing the {$400.00} transactions, because I did not have overdraft protection in place. My transaction should have been denied, flagged, and stopped, because I only had around {$11.00} in my bank account and a {$400.00} transaction should not have gone through, as this would have put me in the minus. 

In addition, I received a letter from Wells Fargo dated XX/XX/XXXX in which they informed me that the {$400.00} transaction did not precede, yet my account is still negative {$400.00}! 

I am submitting my complaint to respective governmental agencies in order to get a resolve with this transactions and to continue doing business with Wells Fargo. I have every intention on pursuing this matter in court, if I do not receive a favorable result.
Product: Checking or savings account

Chime bank refused to update my account balance after a refund was posted from XXXX. They even went as far as to say I spent it after I reported multiple unauthorized charges on my account from XX/XX/XXXX to XX/XX/XXXX. The was {$180.00} refunded to my spending account which should have brought the balance to {$190.00} if the had updated it. Also I withdrawal of {$49.00} was made by XXXX XXXX after the card was reported stolen the 1st time to Chime bank. I do have XXXX and feel discriminated against by the way they responded to me when I spoke to agents on the phone. Their refusal to fix the issue is evidence of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Social Security Number, Name, Proof of Address, and Date of Birth were also uploaded as proof that the Credit Report belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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