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

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX, XXXX # XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Money transfer, virtual currency, or money service

Paypal has limited my account and I am not able to send or receive money. They have done this for no reason. I have given them all the documentation necessary for verification. 

Please, I am requesting the limitations on the account be removed as I have done nothing wrong. 


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. My email linked to my PayPal is XXXX XXXX
Product: Checking or savings account

Capital One Bank is engaging in deceptive practices with their customers savings accounts. They created a new savings account with a slightly different though similar name to the legacy savings account ( named XXXX savings ' ) when interest rates began to rise ( named 'performance XXXX savings ' ). They gave higher rates to the new account type performance XXXX savings, while keeping rates low for the legacy accounts XXXX savings, so any customer that did not notice this lost out on hundreds of dollars of interest as rates began to rise. Capital One gave no notice of this change in accounts, and many people thought they were getting the higher advertised rates who had prior accounts. 

The problem is described here XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX repossessed my car in XXXX of XXXX and closed the account in XXXX after I lost my job and instead of working with me they threatened me with legal action and subsequently reposed the vehicle. 

Every month since XXXX of this year XXXX, they have reported the same closed account as open and delinquent. 

Then they close it before the end of the month and reopen it as a new account on my credit report, dropping my score 17 point every time. 

Once I regain the points, they delete the account and re list it again 3 weeks later as a new account open and delinquent again dropping my score 17 points. 

This is obviously very deliberate and is infringing my my due process rights as well as flagrantly violating my protections under the CFP Act. 

THEY NEED TO STOP immediately!!!!
Product: Debt collection

The repeated calls are from XX/XX/XXXX.at ( XXXX XXXX XXXX. The most recent robo call was received today XXXX at XXXX am. I receive at least three to four calls a week at various times of the day. The company never states who they are trying to reach. It is just a recorded message that continues to play.
Product: Debt collection

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX  months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit file due to my status as a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be removed from my credit report. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Capital one I had years ago paid what I was told to pay and told them to closed the card I shredded the card and all and years later now in 2021 yall calling me saying I owe money when it was settle years ago
Product: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Product: Credit card or prepaid card

Wells Fargo needs to be more honest when dealing with customers. I have been dealing and fighting with Wells Fargo for a month. The lady in the executive office on XX/XX/2019 told me in a recorded phone call that my secured card was still open. I called XXXX XXXX today and she agreed that I was right but failed to put that in the letter addressed to me and to this agency. She and Wells Fargo need to come clean and tell the truth no matter how it looks legally. It should not take over a week to close an account and if a closed request was done on the XXXX as they claim, why did the lady tell me days later that it was still open and why did she state that the two closure request did not take and the account was still open. Why did I have to find out on the XX/XX/XXXX that the account was closed? Why would they send out a replacement card on a closed account? Why would I make {$460.00} payment on a closed account? Why did it take so long and so many phone calls my me to get my secured card money back? Why did they not already decide to do training with the lady that told me that they card was open? Why should I force this as a demand from them? Who is reading the letters that Wells Fargo sends out to customers for accuracy and honesty? Wells Fargo needs to listen to the entire call and not just portions of the call like XXXX XXXX claimed she did? How can XXXX T even right a letter without listening to the entire call. 

XXXX
Product: Checking or savings account

I attempted to enroll in a bonus receiving checking account through applynow.fultonbank.com. I learned of the bonus receiving account through an online blog page. I am not absolutely certain of the exact blog page. The enrollment process required an opening deposit of {$25.00}. I provided routing and account numbers associated with my Truist checking account. Once I did so, the enrollment was cancelled. I called Fulton Bank customer service and they informed me that I would need to go to a physical branch to complete enrollment. I went to the branch at XXXX XXXX XXXX in XXXX, Virginia. I have two deposits, totaling {$.00}. The deposits were described as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have relevant XXXX  XXXX XXXX XXXX. Fulton Bank did not offer contact information about the service. I do not know if contacting XXXX about the deposits was relevant, as I have not received anything from that address. I do not want to keep the {$.00} I received. 

Dates and explanation of events - XX/XX/2023 Enrolled through applynow.fultonbank.com. That enrollment was canceled. 
XX/XX/2023 Account verifying, test deposits were posted to my checking account with XXXX. 
XX/XX/2023 Completed enrollment at the Fulton Bank branch at XXXX XXXX XXXX, XXXX, Virginia. 
XX/XX/2023 Contacted XXXX about the unreturned test deposits. 
XX/XX/2023 Contacted Fulton Bank by phone about the account verifying deposits. 
XX/XX/2023 Received an email stating Fulton Bank knows nothing about the ( account verifying ) deposits. 

Fulton Bank, N.A. 
Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone Number : XXXX Website : fultonbank.com Consumer Electronic Fund Transfer Services Disclosures and Agreement
Product: Credit reporting, credit repair services, 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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave written instruction to furnish my report 15 usc 1681 violation
Product: Money transfer, virtual currency, or money service

Have successfully transferred funds to XXXXXXXX XXXX previously, now system declines and gives XXXX reason for decline
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the report.XXXX XXXX  created the report.Notice, it is a fact, XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.
Product: Debt collection

XXXX has now called me twice to " collect a debt ''. Each time I missed the initial call. The first time, I returned call, identified myself, and asked who the debt was incurred with. They indentified a vendor. When I said I had never done business with the vendor ( no company I recognized ), they said " sorry, we 'll remove you ''. 

Today, several month later, they called again. They left a message with a reference number. I returned the call. After a XXXX5 minute wait, I was connected to a " XXXX ''. I had to give her the reference number twice. She then asked my name to which I replied " you called me, so you must know my name ''. She said she would have to transfer me to " the department that takes care of that ''. After a brief wait, the call was picked up by a man whose muttered his name. I started giving him the reference number, he cut me off and put me on hold, then returned, apologized saying he " was finishing up with a lady on another call '' ( begging question of why he took my call ) and asked for me to " repeat the reference number ''. Again, I refused to give my name telling him he must know it from the reference number. He said " for privacy '' he needed to know my name. He tried several times to get my name, I refused telling him I had no uncollected debts ( note : I do n't even have any past due amounts ). He then asked for my phone number so that he " could take it off 'the list ' '' begging the question of how would he know that I did n't owe money other than my word? 

Thus, either he was being dishonest in saying that by simply giving my number he would remove it from the calling list ( note : seems strange they would not have a caller ID on incoming calls and my cell phone number 's ID is not blocked ) or that, more likely in my view, he intended to cross reference the number to get my name. Either way, it appears that the " reference number '' is bogus. Obviously he could have asked " am I speaking to [ my name ] and then asked me to provide address and phone number to verify my ID. 

I suspect Focus is employing intimidating tactics ( that might skirt the limits of the law ) or, worse, is engaging in outright fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis keeps reporting my credit card judgement as a landlord tenant dispute which has caused me to be denied housing on several occasions. Ive been trying to resolve this issue since XXXX it is now XXXX and Ive had no luck in having them correct their information. Ive even gone down to the courthouse and it isnt filled as a landlord tenant dispute yet Lexis nexis keep reporting it does im at the end of my rope and taking legal action is my only option Im having to stay in XXXX  and hotels because I couldnt relocate for work because of lexisnexis
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

got a copy of my credit report some time ago and realized the credit bureuas are reporting an account as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : I WAS NEVER LATE ON THIS ACCOUNT XXXX  Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that  XXXX ,  XXXX , Experian remove a judgment  XXXX  on my credit report, whereby this judgment has since been paid and it was vacated in Marylan d ( courthouse ). However, as of  XXXX 2017, this judgment still remains on my credit report. I made a seco nd request to  XXXX ,  XXXX , Experian on  XXXX .2017, requesting that the credit reporting agencies remove this item.
Product: Credit reporting or other personal consumer reports

XXXX FCRA & CFPB Violations XXXX XXXX XXXX XXXXXXXX Complaint Number : XXXX Equifax falsely claims that XXXX XXXX XXXX XXXXXXXX is not reporting on the users credit file. However, the user confirmed that the account is still being reported. Additionally, two different Equifax representatives gave contradictory statementsone said the account was not reporting, while another confirmed it was. This contradiction, along with Equifaxs failure to correct the issue, constitutes multiple FCRA and CFPB violations.

Violations Committed by Equifax : 1. Failure to Conduct a Reasonable Investigation ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ) Equifax falsely claimed they conducted an investigation, yet the account remains on the users credit file.

2. Failure to Correct or Delete Inaccurate Information ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Equifax failed to remove or update the disputed item despite evidence that it remains reported. 
XXXX. Providing False or Misleading Information ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Equifax knowingly issued a false response to the CFPB, stating the account was not reporting when it was.

4. Unfair and Deceptive Practices ( CFPB 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) Equifax misrepresented facts in their response to the CFPB and gave conflicting information to the consumer.

5. Failure to Ensure Accuracy in Reporting ( CFPB 12 U.S.C. 5531 ( c ) ) Equifax is responsible for ensuring the accuracy of credit reports and failed to do so. 

Key Evidence : Complaint Number : XXXX CFPB Complaint Response confirms Equifaxs false claim that the account was not reporting. 
Recorded calls with Equifax representatives, proving conflicting statements. 

Next Steps : Equifax must be held accountable for these violations. The user has grounds to : 1. File an FTC complaint for FCRA violations.

2. File a CFPB complaint for deceptive practices.

3. Pursue legal action under FCRA 15 U.S.C. 1681n for statutory and punitive damages. 

Equifax must correct this false reporting immediately or face legal consequences.