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

I have notified Equifax on at least 6 different occasions in XXXX that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. On 2 occasions they removed them and reinserted the same inquiries within 30 days. Equifax continues to violate the law and my rights. I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request Equifax to remove the following ( 13 ) inaccurate, unverifiable, fraudulent inquiries from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Unable to link my XXXX account to transfer money.
Product: Checking or savings account

TD bank incorrectly deposited another customers checks into my account XXXX on XX/XX/year> in the amount of {$1900.00}. The deposit was reversed the day after. 

I am trustee on this account and I need to account for every transaction posted to this account. I requested a letter indicating that this is a bank error. Customer service could not help. I tried calling a branch but could not get through. 

From what I can tell the deposit should have gone into an account with the name of " XXXX XXXX ''. It appears a teller keyed the wrong account number in. 

I need written documentation from TD bank indicating that this deposit and reversal is a TD bank Error. 

Thank you
Product: Checking or savings account

WELLS FARGO CHECKING ACCOUNT NUMBER XXXX I FILED A FRAUD CLAIM FOR UNAUTHORIZED WITHDRAWALS AND PURCHASES IN MY CHECKING ACCOUNT FOR {$4000.00} .I CALLED CUSTOMER SERVICE TO REPORT THE INCIDENT THAT I LOST MY CARD AND SOME IDENTIFICATION WHICH IS MY ID. I'M WORRIED BECAUSE MY BIRTHDAY IS MY ATM PASSWORD I CALLED THEM TO IMMEDIATELY REPORT IT SO THAT THEY CAN LOCK IT. THEY SAID THEY WI 'LL TAKE CARE OF IT AND THEY WILL UPDATE ME WITH THE RESULT OF THE INVESTIGATION BUT INSTEAD OF FIXING IT THEY CLOSED MY ACCOUNT AND THEY SAID THEY DENY THE CLAIM BECAUSE THE REASON IS SOMEONE OR ME USED THE CARD TO DO THOSE PURCHASES .IT 'S JUST UNFAIR THAT THEY WILL JUST CLOSE THE ACCOUNT BECAUSE OF A CLAIM THAT WAS VALID. I ATTACH A COPY OF THE LETTER SAYING THEY ARE CLOSING MY ACCOUNT AND THE LETTER SAYING THEY DENY MY CLAIM
Product: Credit reporting or other personal consumer reports

the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.I understand that under the 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dating back in XXXX I decided to due an Kohls credit card in which I was approved for {$300.00} dollars in credit.before XXXX I had paid off the credit card in was in good standards so I was thinking I would automatically get an increase after going into my Kohls account I notice the credit was still {$300.00} so I called Kohls and asked for an increase in which they went into my credit score and knowing I didn't owe them nothing I was denied an increase.so again I said let me go ahead and used the second {$300.00} Kohls credit in XXXX in which I paid it off a second time.so know I was thinking I should be giving an increase by now.so now it's XXXX I go to asked for a 3rd increase after trying to purchase some items on Kohls .com when I check my Kohls charge it was only {$300.00} in credit again for the 3rd time.but every body else I knew kelp telling me that there Kohls charge had received an increase over 3 times.so I called Kohls an again I was denied an increase its now XXXX and I'm all most finish paying my Kohls charge card off for the 3rd time and through out all 3 times I was denied an increase when I warned Kohls that I was going to get an complaint against me they said nothing but I'm sorry and good luck..I never felt so discriminated against.when it comes done to these credit cards thinking they can get away with charging me late fees interest rate fees every month but as long as I pay my Kohls charge card I'm not good enough for an increase.but I'm told good luck on putting in my complaint..its XXXX I've still feel I'm owed for the 3 credit card increase because I did keep my promise to pay Kohls back all 3 times but Kohls didn't keep there standards in policy in place when it came to me.
Product: Payday loan, title loan, or personal loan

Due to Covid and the pandemic, my place of employment was not working full-time. So to make ends meet I decided to apply for a loan to help me out. Better Day Loans gave me a call to help me out with my situation which was towards the end of XXXX. I was approved for XXXX $ with a weekly payment of XXXX until its paid in full. They started taking payments from my account the first week of XX/XX/XXXX. And I made every payment up to this point, XX/XX/XXXX. I call to see how many more payments I have to close out the loan and the lady tells me XX/XX/XXXX will be my last payment. I'm questioning why when I'm making payments in the amount of almost XXXX $ each week. She proceeds to tell me that they only apply " cents '' to my principal and the rest goes to the interest. So as of today only XXXX $ has been applied to my principal balance out of the XXXX $ I've paid so far. I asked the representative from Better Day Loans to send me an account of all my payments and after taking a look at it my balance its over XXXX $ with my payments until the end of XX/XX/XXXX. There is no way that this is even legal to charge interest of 770 % on a XXXX $ loan and they expect you to pay it back in excess of over XXXX . I  will agree to pay the XXXX $ that I borrowed with a little interest but this is ridiculous taking advantage of people and their need to live everyday with this fraudulent business practice.
Product: Credit card or prepaid card

Had Capital One card close to 2 years. Paid excellent and enjoyed the service and card. Then in XXXX they charged a {$39.00} annual fee. On a no fee advertised card. I immediately closed my account. I think I am not the only consumer that they do this to and the recover millions by people who either don't notice the annual fee charge and just pay it. XXXX XXXX Annual Fee:0 Credit Level XXXX {$3800.00} 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months {$0.00} EXCELLENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having repeated problems with TRANSUNION primarily. They have changed the account infomarion of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. TRANSUNION and now, XXXX, had re-imputed the balance owed as {$490.00}, AGAIN! I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that TransUnion has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with XXXX as well. I OWE NO BALANCE TO XXXX FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.
Product: Credit reporting or other personal consumer reports

i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX  MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXXXXXX XXXX XXXX XXXX if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was discharged in a chapter XXXX bankruptcy in XX/XX/2017 for {$4600.00}. The original creditor was XXXX XXXX XXXX ( aka XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry alert from XXXX XXXX XXXX. Someone had my SS # and birth date and were attempting to open a credit card with Bank Of America. I disputed the inquiry.
Product: Debt collection

I contacted Bull City in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX and XXXX  reports. They have now forced this fraudulent account onto my XXXX  report. I have notified XXXX  on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report these account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX : {$410.00}
Product: Checking or savings account

I want to link my PNC account to my XXXX  account and PNC will not let me link my account. My account was linked and I was able to earn interest on the money that I automatically put into My XXXX account. PNC stopped this feature therefore I am losing money.
Product: Credit reporting or other personal consumer reports

These items do not belong to me and or were never late XXXX XXXX balance {$4900.00} not my account XXXXXXXX XXXX XXXXXXXX {$21000.00} not my account XXXX XXXX XXXXXXXX {$12000.00} not my account XXXX XXXX account was never late
Product: Debt collection

XXXX has added new Debt to an old account that is over 10 years old, XXXX had made false claims, I started a new account and was told the old debt was past statute of limitation, XXXX added XXXX to the old amount of XXXX
Product: Credit reporting or other personal consumer reports

My dispute was delivered to Transunion XX/XX/year> Why am i yet to Recieve any investigation results
Product: Credit card or prepaid card

Earlier this year, in the spring time, I believe in XXXX, I was informed that my PNC Credit Card ending in the numbers XXXX was past due. This was odd, as I always pay my bills when I receive them. I immediately paid the amount past due. I couldn't find the bill. I receive paper bills and pay them with checks via regular mail. I know I am archaic, but that's just the way I do things and it's within my rights. After being unable to find said bill, I just assumed I had lost it or my mail person misplaced it, although I remained suspicious. I continued to place all my credit card bills in the same spot and keep a very close eye on them. 

This past week, on Friday, XX/XX/XXXX, I was contacted via telephone and informed that my payment was past due on the same credit card, ending in XXXX. This time, I knew I never received the bill. I have three other PNC credit cards and had received the bill for each of those three. Just not the one ending in XXXX. I paid the amount past due over the phone. 

After confirming I had never received a bill in the mail, I decided to file this complaint. I am concerned PNC is purposely doing this to either collect late fees or coerce me into setting up automatic payment from my checking account. They won in the last matter, I did set up automatic payment so this does not happen again. 

At this point, all I want is for PNC to remove any negative hits on my credit report from these two alleged late payments. I am fine with them keeping the late fees, they can have them. I just want these negative events off my credit score because I am not at fault for them because I never received my bill.
Product: Credit card or prepaid card

In XXXX of XXXX, my wallet was stolen out of my car with my social security card, my kids social security cards, an XXXX bank cards, mail and cash. With my information someone opened up an fraudulent unemployment claim in Florida in XXXX of XXXX and had a Way2Go card set up. In XXXX of XXXX, I actually filed my own unemployment claim over the phone and I was told my claim had been backdated to XXXX of XXXX. I begin noticing that I was XXXX payments on weeks and tried to get in touch with the Florida unemployment but to no avail. On XX/XX/XXXX, someone finally reached out to me and that's when I found out about the money in the sum of over XXXX was sent to the Way2Go card. I tried to dispute the transactions but they are denying my dispute because they're saying I had knowledge of this and waited to long. I'm not being protected. I have attached police report from XX/XX/XXXX and a document from the DEO validating that I had no knowledge of any of this until the phone call on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH FORD MOTOR CREDIT, BACK IN 2018 THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXX XXXX XXXX, FORD SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE XXXX XXXX AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent countless times sending letters and documents to Experian only for them to lose them or when I try to upload them on their website, they always tell me that the documents are illegible. Now I have resorted to Consumer Financial Protection Bureau to help get this matter resolved. I have talked to numerous of Fraud Specialist at Experian only for them to do nothing to resolve this matter. Experian representative XXXX is totally useless and unprofessional with an " I do not care '' attitude. I sent multiple certified letters to Experian only for them to respond after the 30 days time frame which is illegal and they are breaking the law. 

I have attached a letter from XXXX stating for Experian to remove and delete this fraudulent account which Experian refuses to delete and remove. The following accounts need to be deleted and removed immediately due to fraud and identity theft. I did not benefit from any services of these fraudulent accounts : 1. XXXX XXXX XXXX Account number # : XXXX Balance : {$8600.00} 2. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} 4. XXXX XXXX XXXX Account Number # : XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$3000.00} 6. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX  IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )
Product: Checking or savings account

My online account was hacked and a debit card was sent to an unauthorized individual, who in turn used the card to withdraw {$5000.00} from my business checking account. I disputed the transactions with the bank and instead of resolving the issue they just locked my account and closed it.
Product: Debt collection

Lawyer for James B. Nutter has contacted me using United States mail with an order to eject me from my property. 
Real estate agents representing James B. Nutter has contacted my neighbors and has specifically told my neighbors that James B. Nutter owns my home because of non payment of a debt. 
XXXX XXXX XXXX has been sent to my home to clean my property by order of James B. Nutter. 
James B. Nutter is attempting to seize my property illegally.
Product: Credit card or prepaid card

In Response to CFPB Complaint # XXXX and Capital One Case # XXXX Back on XX/XX/XXXX, XXXX called me and said she was going to dig deeper into my case, and that not to worry because she actually handles cases such as mine ... She clearly didn't dig deeper. And digging deeper wasn't even necessary because the proof was right there in the transcripts, clear as day. A 12 year old could see it. That's why I paid XXXX dollars for them ... XXXX ... No, she's not an XXXX. She can see what happened, she's not XXXX ... She just doesn't wan na cough up the XXXX XXXX. She can't make the attorney pay it, because apparently it's been too long now as the previous agents handling my claim took too long ... She even said to me over the phone back on XX/XX/XXXX ( and Capital One is more than welcome to bring up that phone call XXXX -- " It seems as though someone mishandled your claim. If it was too late for them to open up a disputes case, then they should have told you that from the onset and never opened up the dispute to begin with. So if that's what happened then they need to pay for it. " ... Okay.. Sooo.. Whatever happened to that?!?? Make them pony up the dough and pay the XXXX XXXX. Don't make me suffer!!! Nope, just back to saying the same thing they've been saying for months and months now ... These people are monsters. They do nothing but string people along.. Sick and tired of it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX account, XXXX XXXX account and XXXX XXXX account using a credit score more than 60 days old. Equifax continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. Equifax reporting scores are nearly 100 points less than XXXX  and XXXX. This is affecting my ability to obtain credit with companies that use Equifax for reporting.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX wont allow me to access my own credit reports. I get an error message that states my Identity can not be verified and I have to submit a request via U.S. Postal Service only- which I have twice. Along with a copy of my ID and birth certificate and a bill in my name with my mailing address and havent gotten a response either time. Ive been unable to get these reports for over 5 years. whenever I apply for credit- they businesses making the credit inquiries cant get these reports either.