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

EQUIFAX file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " XXXX XXXX ''. I have sent and submitted multiple letters to Equifax even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and Equifax has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called XXXX XXXX Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.
Product: Checking or savings account

Date XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  - Used the outdoor Capital One Branch ATM machine located at XXXX XXXX XXXX XXXX NY XXXX -- to deposit {$500.00} dollars in cash ... The cash was accepted by the ATM no receipt was given, the card was returned by the machine, however the funds of {$500.00} did not go into my account ... Returned to the ATM to find out what happened and the number to call for instances like this.. Spoke to a rep for Capital One got funds Provisionally ... Filed a dispute ... 
On XX/XX/XXXX Capital One said there was no error and when I deposited my paycheck on XX/XX/XXXX they took my {$500.00} back from my checking account essentially taking my paycheck in whole ... I spoke to the rep inside the Branch named XXXX XXXX.. She took my complaint.. I also called Capital One back to dispute the judgement call and was told their decision maybe final and I might not be able to get my money back .. They'll let me know in 45 days after they re-investigate my dispute ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 I mailed in a copy of the FTC report XXXX, police report and credit report along with my ID, SS card and water bill to verify my info to have fraudulent accounts removed. 
XX/XX/19 I mailed in a request to block this information under FCRA 605B along with the above information. 
XX/XX/19 I tried to find out the status of my block request and could not access online. 
I called Equifax XXXX where two representatives were not able to verify my ID, trans to manager XXXX who verified my ID but stated the block request was entered only for certain accounts and is still processing. 

Block request confirmation # 's XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX US DOE No entry for XXXX XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 

I informed him that Equifax only had 4 days to block these fraudulent items and he stated they have 30 days to investigate. I asked for a manager as this is not in compliance with FRCA 605B 4 day rule & was told I would get the same info from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Creditor Information MOTOLEASE , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX MOTOLEASE , LLC is intentionally and continually reporting false information to credit bureas to maliciously cause large drops in credit scores. This behaviour has been recent with a large influx of calls for a balance already paid by the insurance company to close the account. These large drops in credit score initiated by MOTOLEASE have caused irrepairable damage financially and mentally. The creditor is maliciously and intentionally reporting charged off accounts as open with a current balance as if the account is an active accountbon the books with a payment due. The first instance was on XX/XX/2022 with XXXX. The charged off account was reported as open with a balance due and payable causing a XXXX  point score drop. The false and misinformation was disputed with XXXX and was removed on XX/XX/2022. On XX/XX/2022 Moto Lease continued with the fraudaulent reporting by reporting to XXXX that a charged off account had an open and due balance instead of reporting the correct balance of 0. This immediately caused a XXXX  point drop in credit. After XXXX removed the first instance of this false reporting. MotoLease willingly and maliciously reported false information yet again causing irrepairable damage. This fraudulent report was again disputed on XX/XX/2022. MotoLease should not have the continued ability to report false information intentionally. The responsibility and integrity of reporting true accurate information should not be held at the whim of a company using fraudulent tactics that cause harm.
Product: Credit reporting or other personal consumer reports

This inquiry were unauthorized and I'm a victim of identify theft. NOWCOMXXXX XXXX XXXX Inquired on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2024 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
XXXX XXXX XXXX Account XXXX Please correct/update this inaccurate information on my credit report. 


2. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


3. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX Account Number XXXX Please remove from my credit report 4. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX Account XXXX XXXX XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

7. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

8. Please remove this inaccurate information from my credit report XXXX Account XXXX XXXX 9. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Student loan

I got involved with a third party service that advertised partial or full loan forgiveness for select schools and students. My school was under investigation for it's accredited status so I was qualified for full forgiveness. I was told that if I made three down payments of {$240.00} for the next three months, I'd be taken cared of. After those down payments I received a noticed stating that my student loan that I setup with XXXX XXXX was payed in full. This was back at the end of 2016, my last down payment was XX/XX/2016. Now i've come to realize that my XXXX XXXX loan wasn't paid in full, but instead consolidated with another service called Navient. I wasn't told that my loan would be paid for with another loan while I was signing off on the agreement. I was told that I would have my student loan forgiven and abolished after those three payments. The third party service I was dealing with is called XXXX XXXX, and upon reaching out to them I've learned that they have been sued and under current investigation. I have sent XXXX XXXX my social security and bank card information and lots of money for them to lie and hide the truth from me. I wasn't promised a consolidated form of action, I was promised for my loan with XXXX XXXX to be forgiven and paid for. I was scammed by XXXX XXXX  and I have numbers and dates to back up my claim that I will send along this.
Product: Vehicle loan or lease

this loan was opened without my knowledge. please remove this fraudulent account from my reports
Product: Credit card

I was charged the annual fee in XX/XX/XXXX and I was a military spouse. Under the military lending act the military spouse is covered under the program for the annual fee to be waived under American Express. I was denied twice advising I do not qualify. I checked my information in the department of defense website and it listed I was. I offered to provide that documentation to support my claim. An agent advised they use my social security number to find me in the system however I was denied. I reached out XX/XX/XXXX and. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 07/23/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$1800.00}
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Sold Debt Request for Investigation To Whom It May Concern, I am writing to formally dispute a debt that has been sold to another collection agency. I recently received a notice from [ CBA Colletions Bureau of America ] stating that they have acquired a debt allegedly associated with me from [ XXXX ]. However, I have reason to believe that this debt is either inaccurate, invalid, or being improperly handled. 

Details of the Disputed Debt : Original Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount in Dispute : {$100.00} New Collection Agency : CBA Collections Bureau of America I am requesting that the CFPB investigate this matter and ensure that my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are upheld. Specifically, I am requesting : Validation of the Debt : I would like documented proof that this debt is valid, including a full payment history, original creditor details, and evidence of my obligation to pay. 
Clarification on Debt Transfer : I need confirmation that the debt was legally transferred and that the new collection agency has the right to collect. 
Correction or Removal if Inaccurate : If the debt is invalid, I request that it be removed from my credit report and that all collection efforts cease. 
I request that this matter be resolved promptly, and I look forward to your response. 

Please confirm receipt of this dispute and keep me updated on any findings. You can contact me at [ XXXX ] or XXXX for any additional information. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated money transfer through xoom.com which was supposed to be instant, after 6 hours I realized the money was not yet paid. I called xoom.com customer service and was told the transaction was delayed due to technical difficulties. I called back after 24 hours, the customer service agent told me she was going to check and get back to me immediately, she did not call back. I called back after an hour and requested to cancel the transaction, then, the customer service agent told me that transaction could not be completed by the recipient bank. This I do not believe because when I spoke to the customer service manager he said the money was with ACH. 
I requested for an instant refund, but I was told the money will be refunded to me in about 6 days from the day of the phone conversation. 
It is very unfair that money was taken out of my account, the transfer was not done, it took many calls for xoom.com to confirm that the transaction was not completed, and it will take almost 8 days from the day I initiated the transaction for me to get my money back. 
Companies that claim to offer instant international money transfer service should have the responsibility of informing customers within few minutes if they can not complete the transaction because it is not a free service.
Product: Student loan

It appears JPMorgan Chase Bank N.A cancelled a student loan debt of {$7600.00} but failed to mailed a XXXX. I was notified by the IRS that the amount stated above was reported for the tax year of 2013 ; however, I never received a XXXX from Chase to report the amount as income. I called to Chase and advised I did n't receive the XXXX form and requested a copy of the dated letter thatn included the form that was sent. Chase stated they only could send me a copy of the form but could n't send a copy of the actual letter with the date the form was sent. Also, their records didnt ' provide an actual date/time the form was sent. Customer Service was very rude and condescending. It 's clear Chase never provided a XXXX as they could n't provide any proof it was sent
Product: Credit card or prepaid card

I enrolled in electronic billing for  my American Express Cred it Card and to receive email notifications for when my bill is due. I do not have record of receiving an email bill for my  XXXX  or  XXXX   2017 . Because I had not used the card recently an {$11.00} balance went delinquent for 34 days before I caught the error. I do not have record of receiving a bill or warnings of a delinquent payment. As a result my  XXXX   credit score declin ed to  XXXX  from  XXXX . I have never been late on any payment prior to this insignificant balance bu t American Express is un willing to correct the error or acknowledge if an email was sent on the bill. To test the alert system in  XXXX     2017  I mis sed an {$11.00} payment by a couple of days to see what alerts American Express would provide, which it does not. I also noticed that American Express does not disclose the account is delinquent in the email only if you sign into your account to view the bill ( see attached image ). If you enroll in electronic billing and receive emails the credit companies should, at the least, provide an alert in the email that the bill is delinquent. They are saving money on paper bills and postage and could easily provide alerts that the bill is delinquent to avoid this issue on an insignificant balance. I called the company and was referred to three differen t departments and spent a couple of hours on the phone only  with 5 different people only to hear that there is nothing they could do to revise the delinquency because they are not at fault.
Product: Debt collection

Portfolio Recovery Associates LLC is a collections agency entity that didn't verify the XXXX XXXX account belongs to me and was sold illegally to them. Under the FCRA, the entity must remove immediately from all credit bureaus any unverifiable account and/or information. Such pertinent information can not be sold without my consent either.
Product: Credit card or prepaid card

In XX/XX/2018 I reluctantly opened a XXXX XXXX  XXXX XXXX XXXX XXXX mastercard after being highly pressured by XXXX XXXX   customer service at the time I was signing up for club membership. I refused the card several times but after continued pressure and being advised that I would have better club benefits and a {$5000.00} immediate credit limit I accepted the card against my better judgement. The entire transaction took less than 10 minutes, I was given an instant approval and sent a card in the mail. 

I used this card, made my payments early, as I do with all of my credit cards and after less than 2 months my card was declined. I called customer service who were incredibly unhelpful and was told that they had decided to close my account and could do so at any time. I was deceptively offered a credit account, used sone of it, then had it taken away almost immediately when I did nothing wrong causing my family and I hardship. This will negatively impact my credit score and I believe this practice to be deceptive, unethical, and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Experian to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Experian maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Experian. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Experian about. I'm confused, how can Experian say they've verified information with XXXX that is not at all on XXXX to begin with? I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
Product: Mortgage

On numerous occasions, PNC representatives had made monthly payments on HELOC loan ( acct # XXXX ) nearly impossible. Due to prior bankruptcy in 2009, they do not have to provide statements of when or how much payment is due. On several instances, they refused to accept payment on account from my wife as she is not on the loan account. Being a HELOC loan, the amount due changes monthly and they will not divulge if the payment is sufficient or not. This may or may not have led to my prior dispute of erroneous negative information appearing on my credit report of over 12 months of being late on my payments. While trying to pay off primary mortgage and HELOC loans, PNC was very restrictive and uncooperative in providing information. They have not provided history of payments as requested by myself and prospective loan officer. As of this date, they are still holding up closing on a refinance loan due to erroneous negative information on my credit report and refusal to provided payment history and payoff information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent several complaints out about bankruptcies being on my credit reportXXXX XXXX XXXX XXXX and # XXXX was obtained through the XXXX XXXX  which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that XXXX XXXXXXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section XXXX to XXXX to provide my XXXX XXXX to the credit reporting agencies.