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

I have disputed the the erroneous accounts and inquiries several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : 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 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 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 XXXXXXXX : XXXX XXXX, XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Debt collection

AMERIFINANCIAL SOLUTIONS-Account 's Date OpenedXXXX Account Current Balance : {$930.00} ( XXXX only ) AMERIFINANCIAL SOLUTIONS-Account 's Date OpenedXXXXAccount Current Balance : {$630.00} ( XXXX only XXXX XXXX XXXX-Account 's Date Opened : XXXX-Account Current Balance : {$1200.00} XXXX XXXXAccount High Balance/Original Balance : {$10000.00} XXXX XXXX-Account 's Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Account Current Balance : {$640.00} {$640.00} {$640.00} ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter. 
USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX
Product: Credit card

I have disputed an alleged outstanding debt that is held by Bancorp South on several occasions, per my rights as stated by the FCRA. Bancorp South has failed to provide me with support for the debt that they allege that I owe, including a calculation of my balance from the origination of the said debt to the present time. Instead of providing me with this documentation, they have harassed myself, my family members, etc. They have called us pretending to be the US Postal Service, etc in order to obtain or address. They have also filed a civil suit to collect the debt, rather than provide us with proof of the debt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I mailed a personal check to Barklays bank as a credit card payment. They are denying receipt of my check despite it being cancelled by them and received by my bank. The check reverse even has their cancellation/cashing stamp. Ive texted copies to no avail. Check XXXX  XXXX {$4000.00} from XXXX XXXX. Cashed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

PNC sent me a flyer advertising that if I opened a new checking account and made direct deposits, they would give a {$500.00} new-account bonus. I opened the account and made the direct deposits. I chatted with representatives on more than one occasion, and they told me the direct deposits qualified me for the bonus. 

After several months, no bonus was paid. After chatting again, I was told they couldn't find the {$500.00} bonus promotion, but they had a {$300.00} bonus promotion, and I still qualified. After another couple months with no bonus, I chatted with PNC to find out what happened, and they tell me I don't qualify for the bonus because I didn't have the right kind of direct deposit. 

This is infuriating. I could have made other direct deposits if they told me previously that my direct deposit was not the right type. I asked EXPLICITLY about this, and the entire conversation was documented in their customer-service chat logs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX/XXXX/XXXX,
Product: Credit card or prepaid card

major companies affected : XXXX ( oil ) and XXXX formerly know as XXXX XXXX XXXX capital ONE XXXX XXXX 1- will not work w financial hardship 2-closes acct on basis of chXXXX attempted but all future offers of credit refused because company wasnt paid ( I excised my right whether upright law executed it is another matter. companies can not act in this manner to refuse new acct based on credit options excised by consumer. ) 3-refuses to remove spurious charges ( extra interest, etc. wants full payment on acct ) and makes claim that they are unable to work with people without an attorney on retainer, yet when I had one on retainer, ( upright law ) they still refused. 

when claim is made it is under threat of lawsuit and over the phone, never in writing ( XXXX on behalf of XXXX XXXX ) and consumer " Must respond immeadiately '' to collection efforts. These companies are not being help responsible. 

capital ONE explicity : 1-WILL NEVER DELETE bad info about consumer. 
2-extends credit repair terms to 12 mos vs 6 for credit extensions 3- will not issue even a secured card which the consumer has to issue money for because of above.
4- refuses to turn acct over to people who might give a XXXX about consumer rights, but claims they are not covered under FCRA law.THIS IS EXTORTION. 

My income can not be garnished. Get a clue.
Product: Checking or savings account

I opened up a XXXX XXXX account with the following promotion : Open a XXXX XXXX XXXX account and XXXX  account, get {$50.00} once you deposit {$25.00} or more within 7 days. I opened the accounts on XX/XX/2022, funded {$25.00} on the same day. 

Also in the terms and condition : " The cash award will be deposited directly to the XXXX XXXX XXXX account within 10 calendar days after the qualification period. Amounts deposited by XXXX in the form of the cash award will be initially held in the eligible accounts core position. You will be provided information regarding the available core positions for the account type you select during the account opening process. You have the option of selecting a money-market fund sponsored by a XXXX affiliate as your core position. No further investment or trading is required to qualify for the offer. '' As of XX/XX/2022, I still have not received the {$50.00}. I inquired about this by phone on XX/XX/2022, and was told it would post the next day. It did not.
Product: Credit card or prepaid card

There are two outstanding fraud charges still unresolved with XXXX card, the amounts of {$370.00} from XXXX, {$350.00} from XXXX. A prior CFPB complaint was filed in re, unresolved, the account shows both charges re-billed, nothing received from either merchant.. Prior, I left several messages for a XXXX at XXXX, ext XXXX. A total of three messages were left, none returned, no one picks up when extension entered, messages are not returned. I was able to get one of the charges refunded, as per an email received from merchant, XXXX. Ive checked the account and do not see credit posted, it might have been refunded as a charge back in which case their disputes team might want to check into it..Most recently, I've been emailing a XXXX in fraud XXXX her email today shows a trade in device which was sent in to XXXX, their reps claim it did not pass inspection, it was in fact reinspected and passed in which case no charge back for it.. XXXX appears confused, claiming the XXXX charge is for the trade in device when it is not ... The trade in device was sent in several days after charge appeared, charged back since the ordered device, a XXXX did not arrive, reps later agreed to refund charge ... I wish to point out as I have in prior CFPB complaint, it is not my job to work out such charges directly with merchants, it is the fraud/disputes dept to do this ... They do not accept or return calls either which does not help in resolution to these charges.. My last email to XXXX stated she can reapply charge, however it will not be paid and again, XXXX agreed to refund prior ... As for the XXXX charge, that will also not be paid, I emailed in re as well, have not heard back as of yet..
Product: Mortgage

I sent in paperwork XX/XX/2022 for a name change so that I can have documents from Wells Fargo in my legal name. I can not get the documents from the XXXX XXXX  XXXX division notarized until the name is changed. I have called and emailed repeatedly. My specialist, XXXX XXXX does not respond. After hours of phone calls on XX/XX/2022 I spoke to a girl in the Bankruptcy Department named XXXX XXXX. She got me an email address to send the documents to. 

Its the same email address that I sent them to XX/XX/2022. 

I have been hung up on. Put on hold. Ignored. Threatened with being thrown out of the post Covid program I am trying to finalize. This team at the XXXX XXXX  XXXX Department have made it impossible to get anything done. They do not answer you and do not try to help you. It should not take this long. I just want to get the paperwork done so I can finalize everything and set up my autopay. I can't do any of this because I don't even know what my new post Covid mortgage payment is!!! 

I have contacted and received a auto reply about a 5 day response. But no one responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with equifax credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a XXXX and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people
Product: Student loan

I have been repaying student loans mostly consistently since 2005. I have XXXX loans, XXXX Private unsubsidized, XXXX federal ( XXXX subsidized and XXXX unsubsidized ). The total amount borrowed since 2005, the XXXX is {$50000.00}. I recently checked the amount I paid over XXXX years of repayment and have paid nearly {$19000.00} in interest only payments on these loans with principal only being reduced slightly by approximately {$2500.00}. 

As of today, XXXX XXXX. I still owe in the ball park of {$47000.00}. I recently spoke with Navient to explore ways in which I can repay these loans back faster because I feel like the amount I 've been paying should have reduced principal more than {$2500.00}. Considering I have 10 years of diligent and consistent repayments on my record, Navient was unwilling to work with me to make paying off my loans easier. They would n't offer me reduced interest rates, would n't re-negotiate a lower lump sum payback, would n't work with me to ensure that any money 's I pay above their monthly minimum would be used toward the principal of any specific loan. 

Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently and have a reasonably large sum money being held by PayPal that they are not allowing me access to. My email linked to my PayPal is XXXX.
Product: Prepaid card

I have been a member of RushCard Services since XX/XX/XXXX, and have experienced very little problems in regards to their service overall. 

However, the recent conversion has me concerned with being able to collect upon my recent losses. I have been expecting a direct deposit since XXXX, and my attempts to contact any competent RushCard customer service representative have been fruitless. 

I understand they have had an outage, but provide no reliable information as to how they insure a customer 's account will be restored. 

I want to sever ties with this company, as the transition to the new banking service they acquired has left me less than confident in continued business with the service RushCard provides, but I also do not wish to lose out on money that is owed to me. 

Please assist me.
Product: Credit card or prepaid card

According to Bank of America ( BOA ) the card, for XXXX XXXX XXXX  benefits, was issued in XXXX of XXXX in which I never received the card and went back and forth with the state for some time prior to being approved. Honestly, I let it slip my mind as the world was experiencing Covid and I also went back to XXXX in XX/XX/XXXX. In XXXX of XXXX I received notification by mail that the account will be closing with BOA in which I realized I never received my card. Upon calling BOA they informed me of when the card was issued and the fact that it had been used down to the XXXX. According to the transaction report the funds were loaded on XX/XX/XXXX and it immediately started being used on the XXXX ( sounds like an inside job ). Since I was not in receipt of the original card I did file a police report in XXXX, NJ and I did provide them with a list of transactions provided by BOA. BOA has said numerous times they made the right decision when I have not received any of my funds. Also I don't think they did a proper investigation. I called the state as well and they said it isn't their problem. The saddest part of this case is that most of the fraud occurred directly at BOA in a XXXX branch. Also they allowed the card to be activated without any precaution. I was truly in need of the funds and never received them. At minimum I would like the funds to be placed on the new card they provided me. The BOA case # will be provided later and the total amount is XXXX dollars. BOA has done absolutely nothing to address this issue except to deny return of funds repeatedly. I can attest that I was never in receipt of the original card and did not use any of the funds or have any knowledge of how my card was obtained as it was not stolen or lost from my possession.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A new account showed up on my credit report as being opened XX/XX/2019, and placed in collections for the amount of {$170.00}. Says it's XXXX XXXX XXXX, I might have had an account with XXXX XXXX XXXX like over 30 years ago but have been stationed overseas for the last 2 years and have not opened any new account ( s ) with XXXX XXXX XXXX, in fact I don't even know if XXXX XXXX XXXX would even work overseas.