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

I am writing to file a complaint against Equifax regarding their failure to respond to my dispute letter and investigate inaccurate items on my credit report and incorrect personal information. 

On XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to Equifax, requesting an investigation into several inaccuracies on my credit report.Additionally, I disputed incorrect personal information listed on my credit report, such as Despite sending the dispute letter via mail and providing all necessary information, I am still waiting to receive a response from Equifax regarding the results of the investigation and I am still waiting to receive acknowledgement or resolution from Equifax. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. I also request that Equifax be required to provide a prompt and satisfactory resolution to my dispute, including correcting any inaccuracies on my credit report and permanent removal of the disputed negative items on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have received your computer-generated letter indicating that you have halted the investigation of my credit reports due to your belief that I have engaged a third-party credit repair agency. Not only do I perceive this as a delay tactic on your part to extend the response time by an additional 30 days, but I also consider it a clear violation of the FCRA. 

I previously alerted you on XX/XX/year> through certified mail ( copy enclosed ) that I have reservations regarding the accuracy of certain items on my credit reports. The request was composed and sent by me personally, without the involvement of any third-party agency. It is evident to me that you are misusing your authority under the FCRA in order to evade a thorough investigation. 


Furthermore, there is no law prohibiting consumers from utilizing a third party, making your excuse irrelevant. In fact, the United States Congress recognizes the complexity of the process and grants consumers the right to engage a third party if they so choose. Therefore, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act. I firmly believe that I can provide evidence demonstrating your failure to take reasonable measures to ensure the accuracy of my credit reports, and now you are further delaying the process. 

Once again, I will outline the incorrect information that is being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to stake {$400.00} worth of my CRO coin ( Crypto.com coin ), which had a balance of approx {$1900.00} at the time. Instead of deducting XXXX from this balance, they incorrectly charged my credit card {$410.00}. This card also charges a {$50.00} fee for any Crypto transactions. I immediately contacted Crypto.com and explained that they incorrectly charged my credit card due to a glitch in their system, and they need to cancel the transaction and reverse it immediately. This is easy to do by other companies, but they stated they couldnt do it and to ask my credit card company to handle it. I contacted my credit card company and they told me I wouldnt be responsible for the unauthorized charge and they would take care of it. My credit card company later refunded me the the {$410.00} and {$50.00} fee. 

On XX/XX/XXXX I transferred {$6000.00} from my savings account to my Crypto.com XXXX account so that I can make some purchases with the Crypto.com debit card. Recently Ive noticed I couldnt access the card nor move my money around. I contacted them through chat, and initially they stated that I had to get a letter from my credit card company stating that I was the owner of the credit card. I wasnt happy about that but was willing to do it. They then added that I needed another letter stating that I was withdrawing my initial credit card dispute of {$410.00} which THEY incorrectly made to my card. When I checked my account again and tried to buy something, I noticed that Crypto.com froze so my accounts preventing me from accessing my money! They stated that all my money was somehow related to the initial dispute. They are refusing to let me access my own money unless I provide these 2 letters. They are holding my money hostage. This is almost coercion or extortion.
Product: Debt collection

At XXXX this evening I was contacted by XXXX at ( XXXX ) XXXX. An internet search says the number belongs to a bill collector company called Genesis Credit ManagemenXXXX in XXXXXXXX XXXX  He asked if I lived at ( XXXX... ) which is an address I don't live at. He mentioned that there is an outstanding charge of {$15000.00} in my name. He also called my father on his cell phone asking where I lived. This is completely inappropriate. I have been the victim of identity theft in XXXX and again in XX/XX/XXXX. I was alerted that a credit card was attempted to be opened in my name at XXXX, so I filed a fraud alert back in XXXX with the credit bureaus and my credit is frozen. Whoever charged the {$15000.00} dollars in my name was not me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding the ongoing issue of fraudulent items appearing on my account. Despite numerous attempts and previous complaints, the problem persists, and I find this unacceptable. 

I have made several attempts to resolve this matter, including contacting your customer service department, submitting dispute forms. However, despite assurances that the issue would be rectified, I continue to encounter the same problem. 

This situation has caused significant inconvenience, stress, and financial burden for me. I expect a resolution to this matter immediately, including the removal of all fraudulent items from my account and appropriate measures to prevent similar incidents in the future. 

If this issue is not addressed satisfactorily, I will have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies and exploring legal options. With this, I am asking for your assisstance to remove these fraud items in my credit file. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint on XXXX, Experian, and XXXX, they responded, and it was closed. 

According to the Fair Credit Reporting Act, XXXXXXXX, Experian, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.
Product: Credit card or prepaid card

This is an update to CFPB complaints XXXX ( submitted XXXX  ) ( Complaint 1 ) and XXXX ( submitted XXXX  ) ( Complaint 2 ). Despite numerous contacts with Capital One and two previous CFPB complaints, as of today XX/XX/XXXX there has been no satisfactory resolution of this matter. 

I am an elderly person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for medical treatment and other expenses. I routinely charge several thousands of dollars per month on this card. The card expired on XX/XX/XXXX. Due to the upcoming card expiration, on XXXX  I requested that Capital One send me a replacement Venture Visa Card in XXXX ( see attachment 1 ). On XX/XX/XXXX I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/XXXXXXXX XXXX XXXX  '' ( see attachment 2 ). Capital One further confirmed to me by phone that the replacement card was shipped to me by XXXXXXXX XXXX. I made multiple requests to Capital One for a tracking number for this shipment but Capital One refused to provide this information. 

Because no card was received by the due date, I filed Complaint 1 on XX/XX/XXXX. OXXXX XXXX Capital One responded to Complaint 1 stating that " your replacement card was mailed out on XX/XX/XXXXXXXX XXXX XXXX XXXX and should be received " within 7 to 14 business days ''. This response also stated " we do not have a tracking number for your card ''. See attachment 3. As of today one month later no replacement card has not been received. I have been forced to make multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult due to my ill health. In response to my inquiries XXXX has stated that no shipment to me has been received and no further information can be provided without a tracking number for the shipment. 

At this point due to the negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship, illness and emotional distress. Further, Capital One 's admitted failure to obtain tracking information for shipment of a credit card to a foreign country is a gross breach of the most basic financial security standards. If the replacement card was shipped as Capital One claims it has most likely been stolen by now, adding greatly to my stress. 

Thank you very much for your prompt attention to this matter. 

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

There are multiple inquiries on my report I do not recognize
Product: Credit reporting

There is an outdated item listed which is Past the statute of limitations, I have tried to dispute this with no outcome which is XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I requested was granted a forbearance on my loans by XXXX, however one month, the month of XX/XX/ shows a 90 days past due on all 11 loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have medicaid. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.
Product: Debt collection

A family member received a call asking for me, but by my maiden name that I no longer use. My family asked who they were speaking with, but they would not identify themselves. They only provided a phone number with a docket number to call back. When I received the message I called the number and was transferred to a civil litigation department and spoke to someone named XXXX XXXX. He informed me that I had litigation again for a debt from XXXX Bank. I informed him that the information he had was not valid and he proceeded to tell me I was lying. He told me that he was going to sue me, garnish my wages, and take my tax return and stimulus check from me. I told him he was threatening me and it was illegal. He then told me he didn't need to talk to me anymore and hung up the phone. I called back and spoke with his supervisor XXXX XXXX who told me that he would speak to him and apologized for his behavior. I called back again to confirm the company name, and the person who picked up the phone refused to provide the company name and hung up on me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under USC section 602 A. It also states that a consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " I looked at my Equifax report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information. In general after any reinvestigation under paragraph ( 1 ) and information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, QUALITY XXXX, is currently showing XXXX days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.
Product: Credit card

Dear Sir/Madam, I am writing to dispute the negative mark associated with my XXXX XXXX XXXX account. I would like to provide a detailed explanation regarding the circumstances that led to this situation and request that this matter be reexamined in light of the information Im sharing.

The account in question was taken out of my responsibility due to the actions of my foster parent, who forcibly took control of the card and used it without my consent. Despite this, I have attempted to pay back the balance, but my financial standing has been unstable, making it difficult for me to settle the debt entirely. As a result, the account eventually became charged off. 

I would like to note that, according to NRS 159.045, a guardian has a legal responsibility to act in the best interest of the ward. In this case, my foster parent, who was appointed as my guardian, took control of the account in a manner that violated the principles of responsible guardianship, causing me financial harm. Furthermore, under NRS 41.600, a person may be held liable for financial harm caused by fraud, coercion, or unauthorized actions, which applies here, as I was not given the ability to control or consent to the actions taken on the account. 

Additionally, under NRS 598.0923, it is unlawful for a person or entity to engage in unfair or deceptive practices in the course of business, which could include mishandling or misreporting financial obligations. Despite my efforts to resolve this matter through communication with your company, I have been unsuccessful, and the account was charged off without a fair resolution. I believe that the circumstances around this account and the role my guardian played should be carefully considered under the context of these statutes. 

I have sent the appropriate letters to have this charge removed from my credit records, but my request was not granted. I feel that the nature of this situation where the account was taken by someone who was supposed to be a trusted guardian should be reconsidered, and I kindly ask that you take the relevant legal protections and my circumstances into account in reviewing this charge off. 

I understand the importance of personal responsibility for debt, but in this case, I believe I should not be held entirely accountable for an account that was taken under duress by a guardian figure. Given my efforts to communicate and resolve this issue, I respectfully request that you reconsider the charge-off and remove it from my credit report. 

Thank you for your attention to this matter, and I look forward to a fair resolution.
Product: Debt collection

I received a forwarded notice via mail from XXXX XXXX XXXX XXXX back in mid XXXX. I responded via mail five different times disputing the account and asking for documents, yet received no response. I called XXXX XXXX, I gave them the notice information and explained that I was a XXXX XXXX XXXX XXXX for 13 weeks, and had visited their XXXX XXXX once in XXXX during working hours for a work related visit. However, I had insurance the entire time so there should be no bill. They said they had no record of an account associated with me so to ignore the notice. 

XX/XX/XXXX, there is a collection for an account from XXXX XXXX XXXX by California Business Bureau for {$8300.00}. I never received a notice from any creditor via mail, email, nor call, attempting to collect any debt or attempting to validate the debt before reporting it to the credit bureaus. XX/XX/XXXX, I dispute account via XXXX and it resulted in just a update but no documents were provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text message from what appeared to be Wells Fargo asking if I had initiated a XXXX transfer for {$2500.00}. It asked me reply Y or N. I replied N. Soon after, I received a phone call from what appeared to be a Wells Fargo representative to " help '' me recover my funds. He was very professional and I was taken in by him. He told me I needed to " self-pay '' the funds back to myself. He had me use XXXX to pay myself first {$1500.00} then {$1000.00}. Even though it was my name and my phone number on the XXXX XXXX, the money was, of course, routed to the thief. I immediately called Wells Fargo and was issued a provisional refund of the {$2500.00} while they investigated. Yesterday I received two letters from Wells Fargo Fraud Department, one for each transaction, telling me that the provisional refund would be taken out of my account on XX/XX/XXXX as there was no evidence of fraud. I was completely taken in by this person, spoofing Wells Fargo, then spoofing my phone number and name to take {$2500.00} from me. Does Regulation E : Electronic Fund Transfers not protect me against this kind of fraud? 

Wells Fargo did take the provisional refund out of my account yesterday. I wrote a letter to the bank a week ago, included the police report but have not heard back from them.
Product: Checking or savings account

I disputed a couple of unauthorized charges and won the dispute. But they froze my account until i can get a written letter releasing the deposit into my account from the third party and a copy of thier id card. Which is XXXX XXXX?!? How am i supposed to get this information? Theres no way i can. Ive call more than a hand ful of times trying to get more informatoin but they just reapeat this same stuff over and over. I dont know what else to do but email you guys. The amount is a little over {$250.00} plus a referal bonus i had gotten while the accounts been frozen
Product: Debt collection

I have received numerous robo calls for a long time from XXXX XXXX XXXX, XXXX ( info on caller ID ). You do n't get a live person when you wait to connect to tell them to quit calling or find out why they 're calling. I have filed complaints with the Illinois Attorney General 's office and XXXX and received no response. I just received another call yesterday ( XXXX XXXX ) and want these calls stopped. If you do an Internet search, you 'll see many people complaining about this law office which is generating the calls.