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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ XXXXEquifax ] requesting a reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I received a response from [ XXXXXXXXEquifax ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXXXXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # XXXX ; s file. 
Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
XXXX has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX
Product: Prepaid card

Well, I called citi on XXXX/XXXX/16 to determine why I was being charged ATM fees despite the information pamphlet that was given to me saying I should not incur fees when using a citi bank atm. I spoke with a woman who said that she agrees that I should not be charged for using a citi bank atm and that perhaps I used an atm outside of their network ; she said she 'll look up the atm to determine if this was the case. She confirmed that it was in fact a citi bank atm and that its odd I was being charged. She said she will escalate this to management but that unfortunately there was n't anyone there that day that could help so I would be contacted back in approximately a week. I had n't heard back from them by XXXX/XXXX/16 so I called back to see what was going on. At that time the gentlemen I spoke with told me the exact opposite of what the lady from the first call said and told me that those fees are n't able to be reversed ; I asked to be escalated to speak with management. I spoke with another gentlemen who said that generally I would not be charged atm fees by using a citi bank atm with a citi bank card however I am a part of a XXXX program which does incur those fees. However the information was not presented in the pamphlet that was given to me with my card, he said that perhaps I received a pamphlet that was intended for another program but that he would do a one time courtesy and reverse those fees. He said I would have to call back on XXXX/XXXX/16 because no one there could reverse those ( it was fairly late in the evening ) and that on XX/XX/XXXX when I called those fees would be reversed. So I called today XXXX/XXXX/16 to have those fees reversed at the gentlemen instructed however the person I spoke with told me that was not true and that she can not refund them. After she pulled the call she agreed he said that however she only refunded the most recent atm fee but that was it. This is not okay because I have had one employee tell me I was right, and that I should n't have been charged since the atm i used was a citibank atm and a manager also tell me that he would reverse the fees on XXXX/XXXX/16. I have reference numbers for the recordings of all three of those calls. The call on ( XXXX/XXXX/16 ) with the woman who told me I should not be charged fees at citibank atms was reference # XXXX. The call with the manager on ( XXXX/XXXX/16 ) was reference # XXXX ; and lastly the call from ( XXXX/XXXX/16 ) today 's reference # was XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request that XXXX block the following accounts and prevent any further reporting of them on my credit report : Account # : 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report. Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft : XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have XXXX cards with Capital One, it was an attempt to rebuild my credit. This company business parctices and interest rates is slavery. I made XXXX cash advance a year ago and still am being charged interest on that. The interest that i pay for any purchase is well over my monthly payment. Its like a hole that you ca n't dig yourself out of. It 's ridiculous!! I do not use either card, and have not since last summer XXXX XXXX XXXX and still have no money for purchases due to the interest. Im being charged interest on making a payment too.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

This complaint regards my Capital One Credit Card. 

I scheduled my payment on the day it was due using the Capital One Website. The payment is pulled from my checking account which is linked to the card. 

4 days before the payment is due, and weeks after I have scheduled the payment, they send me a message telling me that my Capital One payment is due soon. 

But I already schedule the payment. I have to log on and confirm the payment is scheduled. 

I believe they are sending out these emails in hopes that some customers will double pay them.
Product: Checking or savings account

Cash app has failed to reach back out to me serval times, after either, deposits failed to pass, withdrawals failed to go through when it CLEARLY shows money in account. HORRRIBLE CUSTOMER SERVICE!!. NO ONE IS THERE TO HELP CUSTOMERS WITH BANKING NEEDS AND OR DEPOSITS. There was XXXX different times, I've had major issues and tried to reach out no one answered XXXX number nor did my ISSUE GET RESOLVED.
Product: Bank account or service

Every time I add a new person to online bill pay and send that new person a payment through online bill pay, CaptialOne360 locks my account until I call them on the phone. To call them on the phone, I have to wait on hold for more than an hour ( when this happened yesterday, I had to wait 1 hour and 11 minutes ). The effect is that, without warning, the bank unilaterally locks me out of account access, cutting off all access to my money, unless I wait hours on the phone. They also sent me a misleading and coercive email in which they threatened to close my account unless I called them. On the phone, when I asked them about their threatening to close the account, CapitaOne360 SAID AND FULLY ADMITTED THAT THEY DO NOT ACTUALLY CLOSE ACCOUNTS AND THAT THE EMAIL PURPOSEFULLY THREATENS TO CLOSE CUSTOMER ACCOUNTS IN ORDER TO COERCE CUSTOMERS TO CALL and waste hours of their time if a customer wants to get access back to the customer 's money, even though the bank will never actually close an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
Product: Debt collection

The debt collector ( s ) have my number but I am not the person they are looking for. They are looking for a person with a similar name. I realize that debt collection calls are allowed but I am not the person they are looking for and they won't stop calling. If I get one collection agency to stop ; they sell my number to someone else and the annoying, harassing calls start all over again. This is harassment.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  account # XXXX {$630.00} Account ID : XXXXXXXX XXXX XXXX XXXX  account XXXX balance {$3500.00} US department of edu account XXXXXXXX XXXX XXXXXXXX Account # : XXXX HARD INQUIRIES XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX Miscellaneous And Public Record Creditor information XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Creditor information XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Product: Mortgage

We reached out to our Mortgage Provider Select Portfolio Servicing for a Forbearance due to the crisis as we did not have sufficient income coming in to pay the mortgage. They gave us a 90 day forbearance and over the phone they said that those payments would simply go on the end of the loan. Not too much longer after we recieved a statement in the mail that we were approved for the forbearance but we would owe all 3 months plus late fees at the end of the 90 days. We feel like this impossible to repay if we have little to no income now how are we going to have not only the normal payment ready to pay but 3 MONTHS additional owed plus LATE PAYMENTS. Which would be almost 4000 dollars plus an additional payment. Now they are sending us constant email reminders about we need to try to pay if we can afford to and that it would help avoid additional late charges as well back balance due! Are normal payment is around 900 dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurate information on credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several accounts that I do not recognize, which I believe may be the result of identity theft. These accounts include credit cards, auto loans, and other loans with derogatory statuses such as charge-offs and collections. Despite disputing these inaccuracies with the credit bureaus on [ date ( s ) ], no resolution has been provided.

Below are the details of the disputed accounts : XXXX XXXX  : Other loan, no past-due balance, reported as 30 days delinquent. 
XXXX  : Credit card, no past-due balance, reported as a charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$320.00}, reported as collection/charge-off. 
XXXX XXXX XXXX  : Credit card with a past-due balance of {$4000.00}, reported as charge-off. 
XXXX XXXX : XXXX loan with a past-due balance of {$20000.00}, reported as charge-off. 
XXXX XXXX  : Credit card with a past-due balance of {$2000.00}, reported as charge-off. 
XXXX XXXX : XXXX loan with a past-due balance of {$2700.00}, reported as charge-off. 
XXXX XXXX : Credit card with a past-due balance of {$490.00}, reported as charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$1300.00}, reported as collection/charge-off. 
The total past-due balance for these accounts is {$31000.00}. I have not opened or authorized these accounts, nor am I responsible for these balances. 

I have submitted disputes to the credit bureaus ( XXXX, Experian, and XXXX ) but have not received a satisfactory resolution. I am requesting the companies involved to investigate these accounts thoroughly and take corrective action to remove these inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the attached letter to Equifax and have not received a response which is a violation of the FCRA. The three listed medical accounts are inaccurately reporting as loans and are pass the FCRA reporting time limit. They placed a notation on the accounts on XX/XX/XXXX stating it was a " collection account '' and updated the notations to simply state " medical '' on XX/XX/XXXX. Their refusal to remove the 3 accounts is a direct violation of my rights under FCRA. These need to immediately be removed.
Product: Bank account or service

This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XXXX XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and experian XXXX  and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
Product: Credit card

I have a XXXX XXXX account. My address and credit card is stored within this account. When I'm logged into the account, all of my purchases are able to be seen and tracked. On XX/XX/year> I had 3 attempted purchases and 1 actual purchase that were not initiated by me. 3 of the purchases appear to have been cancelled. I can not tell if my Chase Visa flagged them or if XXXX intervened. One of the purchases was completed and actually delivered to me. I have returned the items to XXXX. But I have had to cancel my credit card and when I attempted to contact XXXX for answers, I received no answers. Sat on hold for XXXX minutes to be told " my department does not handle this ''. I wrote an email and the response gave me instructions to change my password on my XXXX XXXX account ( that did not work by the way ). I can not have my XXXX account hacked without being informed and I certainly can not be charged for items I did not purchase.
Product: Vehicle loan or lease

Trying to change my cosigner last name they refuse to do that until I refinance called multiple times trying to do this but was met with an answer that should be illegal and is predatory
Product: Debt collection

I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was   XXXX    XXXX  .     Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is being negligent in reporting incorrect information on my credit report when it was not legally verified, corrected or deleted. These accounts do not meet the requirements of the FCRA and they are required to delete them immediately. they have continued to send me letters merely stating the account was " verified '' I have asked for the method of verification although they refuse to send it to me. the other bureaus were not able to verify this item but yet Experian claims that they can which baffles me as to how they are allowed to continue to report unverifiable information on my credit report. 
XXXX XXXX XXXX XXXX is an unverifiable item and they have permitted this company to continue to report this delinquent account onto my credit file regardless of the laws set forth in the FCRA.
Product: Credit reporting or other personal consumer reports

Started seeing credit problems after credit breaches from XXXX. I cancelled XXXX card but false information continiued to go on my report
Product: Debt collection

I disputed a couple of things on my credit report a couple of weeks ago, then got a completely different collection hit on my report in the same month! I never even received medical care from the hospital nor received proper notice of any bill in that amount! By mail, email or phone. 

Collection agency information. 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've corrected this doubtful data multiple times by submitting letters to the 3credit bureaus. I will file a lawsuit against you because I think you failed to validate these enquiries, in violation of Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm bringing it up again. Please get rid of the following questions right away. 
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
Product: Credit card or prepaid card

The XXXX XXXX Credit Card has been a nightmare to have for the past few years. I have made attempts to lower my debt and pay it off however, they are non-respondent. On XX/XX/XXXX I scheduled automatic payments to be deducted from my checking account. Since they have fooled me before, I took a screen shot of the confirmation AND I also received an email from XXXX confirming my auto payment set-up. Several days later, I learned I had a new late fee added to my total bill. When I looked at my account online, the automatic payment had been deleted. I called the customer service line and after being transferred to 3 representative, I was told that the department that " handles '' my account was closed and that I had to call another day. I called back two days later and was transferred a total of 5 times. First to 3 different XXXX Credit Card Departments, then to Citibank and then to a third party agency, XXXX, who apparently handles the account. I explained to them that late fees are being added to my account unjustly but, they said they have no control of that. They suggested I call XXXX  back. When I explained how I've been transferred many times, they explained that they would send a letter to XXXX  but, there's no guarantee I'll get a response. I have over {$500.00} dollars in late fees from XXXX and NO ONE takes ownership or accountability for the management of the XXXX credit card accounts. 
I initially began calling in XXXX and asking for the insane amount of late fees to be removed but, I have continuously been ignored with no one to speak with regarding the details of my account.