23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Date of Transaction XX/XX/2023 XXXX approx. XXXX eastern time Location XXXX XXXX XXXX, XXXX, NY XXXX Terminal ID XXXX Claim # XXXX I made a {$400.00} withdrawal, only {$300.00} was dispensed. 

Multiple Calls have been made with Chase Dispute Team Phone # XXXX XXXX XXXX. 
1st call being XX/XX/2023 was told no claims can be made on the weekend 2nd follow up XX/XX/2023 ID XXXX was told the claim has been put in, representative stated they are unable to provide email confirmation 3rd follow up XX/XX/2023 ID XXXX Specialist let me know a credit of {$100.00} would be posted to the account within 10 days and provided the claim number also stated they are unable to provide email confirmation 4th follow up XX/XX/2023 ID XXXX Specialist claims there was a system error and did not provide information why the claim was closed. Let me know she would reopen the claim with them team. Specialists could not identify what steps the team would take to resolve the issue. Specialist was unable to send a confirmation email that the claim has been reopened XXXX. Although she did confirm I would be receiving a Credit within 2 hours and email confirmation by XXXX business hours approx. XXXX. 

More Info : The Dispute letter dated XX/XX/2023 No Action will be Taken The inquiry is now resolved ( see attached below ) I have asked for a full ATM Count Cash Dispensed Count ATM Video footage of dispensed cash Video of ATM Area
Product: Money transfer, virtual currency, or money service

I tried to gain access to my cash app account but it's associated with my old phone number. I tried to verify my identity but they refused to allow me to.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under XXXX : Charged off, past due amount : {$300.00}. 

An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. 

A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. 

A collection account opened at XXXX XXXX XXXX  for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. 

A secured loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. 

A collection account opened at XXXX XXXX on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. 

An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. 

A collection account opened at XXXX  on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. 

These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. 

I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

One year ago I was contacted by a Debt Repair Service telling me that in three years my Credit Card debt would be taken care of if I spent so much money per month. I should have know in he very beginning it was a scam. My name was never correct, the Creditors could not find my information, I requested a paper contract so I could see what the exactly to expect and to have actually something in writing. I never signed anything the agent did it all and I still remember his name because I told him twice make sure you do not put my nickname on that. Guess what he did .... I was paying {$300.00} a month for over a year for this I asked every month problem to please send me hard copies so I can see what is happening and how this really works since no one seemed to be able to answer me. I was sued by XXXX, XXXX and all XXXX XXXX could find was a payment for {$190.00}. In one year I paid XXXX and nothing but {$190.00}. was paid out. Now I have to file bankruptsy to get out from under this mess. I have asked them repeatedly to give me that money back or at least {$3000.00} of it sinced they did nothing but get me into a bigger mess. I want that money, what they did was not right and now has cost me my retirement.
Product: Debt collection

I sent a debt validation letter to Portfolio Recovery Services and one dispute letter to the credit bureaus. I did not receive any response from them.
Product: Credit reporting

My family and I were victims of identity theft in XX/XX/XXXX. Someone filed a fake tax return utilizing my wife 's and my social security numbers. I then added my son to my Equifax credit monitoring account and my wife opened a separate credit monitoring account with my daughter with another credit monitoring service. In XXXX XXXX, I received XXXX credit monitoring alerts for my XXXX-year old son. When I went into my Equifax account to find out what the Alerts meant. Equifax denied me access. They requested additional information from me proving that I am who I am and that I am the father of my son, this despite my having had an account with Equifax for over ten years. After more than 30 telephone calls and 15 to 20 emails, they continue to prevent me from finding out what is behind the alerts and if someone is illegally using my son 's identity. They seem to be completely incompetent. At one time, they told me that my son was XXXX years old so I could not have access to his credit alerts. My son was born in XX/XX/XXXX, He is XXXX years old. Then they told me on numerous occasions that they did not receive the documentation they requested. I then sent them copies of the XXXX Postal Service tracking receipt. They then investigated the matter for three weeks and then said that the problem is that my son is " almost '' XXXX and so they can not provide me with his alert information. I then tried to add him as an adult to my account and was again denied because he is not XXXX years old. I then contacted Equifax again, and they told me that I have to open his account after he becomes XXXX in XX/XX/XXXX. I then asked Equifax again to provide me access to his credit monitoring alerts. Again, they denied me access to this vital information. I am trying to protect my son 's identity but Equifax is denying me the ability to protect my son 's identity. There must be something illegal with this. How could they prevent a parent from protecting their own child?!?! PLEASE HELP ME PROTECT MY SON, PLEASE. All I want to do is to protect my son 's identity. I have no way of knowing if someone is doing something illegal with my son 's identity. Please help me get my son 's credit monitoring alerts from Equifax, please. There must be something illegal with what Equifax is doing by preventing me from protecting my son. Please help me protect my son, please.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023, XXXX XXXX  A fraudulent account was opened in my name, and I spoke to several people trying to get it closed. None of them were able to close it, and I was told to send an email to XXXX XXXX XX/XX/XXXX I sent the email XX/XX/XXXX, XXXX XXXX  I received a new email telling me that a card was sent out to the address the fraudsters use, even though my credit is closed XX/XX/XXXX I again spoke to someone on the phone XX/XX/2023 at XXXX XXXX  I got an email saying the account was closed XX/XX/2023 at XXXX XXXX  I got an email saying another account in my name was opened, asking me to create a password
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did an instant transfer from my Venmo account to my bank account. The transfer was never put into my account. The amount of the transfer was {$110.00}. I contacted Venmo by phone several times and they gave me several transaction ids. I contacted my bank multiple times to give them the codes. XXXX accounting specialists at the bank searched for the funds and they were never received by my bank. I then emailed Venmo several times and they said there was nothing else they could do. Then the last XXXX emails I didnt get any response. I am out the {$110.00} during the XXXX holidays. This has put me behind and caused other issues with my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing an inaccurate XXXX XXXX account on my credit file for one the past 2-3 years to no avail. on XX/XX/2023 I submit a complain against Equifax for continuing to report such false account. below is the complain it submitted in XX/XX/2023 XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX on XX/XX/2023 Equifax response is Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX  XXXX ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX. 



I do not believe that you did an investigation. This means that you are now required to prove that there was in fact an independent investigation and that you didn't just parrot to me what the creditor said. If you can't do that, this account needs to be removed. Inaccurate data is being furnished and this account needs to stop reporting for FCRA non-compliance. I would like to see a detailed report regarding the method of verification because I've provided facts directly from my credit report and you've stated they are accurate. I also need to see all documentation used during these 'investigations ' to prove that one was even done.
Product: Debt collection

I am constantly called by a company called Midland Credit from many different phone numbers every day, despite not owing any debt. I can not block them because every time I block one number, they call me from a different number. They call me during all times of the day, often early in the morning and late at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account, this company has yet to respond or follow from fcra laws. 
Santander Consumer Acc # XXXX
Product: Credit card or prepaid card

I have a fraudulent charge on my credit card. I called AMEX and reported it as fraud on XX/XX/XXXX. I explained to them that I did not make this purchase and have examined my XXXX account in great detail to ensure that it is in fact fraud. They still haven't removed the charge from my account and are refusing to help me.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I've been trying for months to get these account removed from my credit report but they coming back as verified which is inaccurate and incorrect. Please see both attachment and refer to Experian to have these accounts removed. I will also be filing a complaint with the XXXX XXXX XXXX  and pursuing legal remedies.
Product: Credit reporting

The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX ADDRESS to NEW ADDRESS to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXXXXXX and under Common Law XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Monetary Relief Due to Credit Reporting Violations To Whom It May Concern, I am writing to formally demand monetary relief due to your failure to properly investigate and correct fraudulent information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite submitting multiple disputes with supporting documentation, Equifax, XXXX, and XXXX have negligently failed to : 1. Timely Investigate and Correct Errors You failed to conduct a reasonable investigation into my disputes, allowing fraudulent information to remain on my credit report.

2. Block the Fraudulent Account in a Timely Manner Under 15 U.S.C. 1681c-2, I requested an immediate block of fraudulent information, which you did not process as required by law.

3. Prevent Credit Damage and Financial Harm Your negligence resulted in unnecessary damage to my credit score, which led to loan denials, financial losses, and increased interest rates.

4. Emotional Distress and Harm Due to your failure to act, I have endured significant emotional distress, stress-related health issues, and the inability to access credit and financial opportunities.

Requested Relief : To resolve this matter without further legal action, I am demanding monetary compensation for the following : Actual damages, including financial harm caused by credit denials.

Compensation for emotional distress and damage to my reputation.

Statutory damages as permitted under the FCRA ( up to {$1000.00} per violation ).

If you do not provide an adequate response within 15 days, I will be forced to escalate my complaint by filing a Consumer Financial Protection Bureau ( CFPB ) complaint, reporting this violation to the Federal Trade Commission ( FTC ), and pursuing legal action to recover damages.

Please respond in writing with a resolution to this matter. You may contact me at [ Your Email ] or [ Your Phone Number ] should you require further information. 

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

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum p

ossible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are req
uired to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit card

After paying off my account balance with Discover recently, they chose to lower my credit line to XXXX from XXXX. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, on XX/XX/19, TransUnion misreported my XXXX XXXX XXXX account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through XXXX own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am past due on the XXXX - partial account numbers XXXX ; XXXX ; XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. XXXX and XXXX  are reporting correctly on this account.
Product: Credit card

There is an XXXX XXXX installment balance on my Apple Card of {$790.00} with no date and is not paying down. Goldman says theres no record of the transaction on my account so they cant remove it from my installments but Apple can. Ive tried 3 different times with Apple and 3 times with Goldman and nobody seems capable of resolving my issue,
Product: Credit card

The limit on card is {$1500.00} and the current balance is {$4500.00}. When I was in abroad due to Covid pendemic someone charged or card company billed by third party do not have an idea. Many times I disputed but no proper resolution
Product: Student loan

I've tried to reduce my monthly payments based on my income. I have yet to get an answer and it has been over 30 days. I have submitted all the documents and applied for the reduction twice. However, every day I get at least two or three emails demanding that I make a payment.