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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax XXXX XXXX am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 1. XXXX XXXX XXXX, XX/XX/XXXX 2.Hunter warfield XXXX XXXX XX/XX/XXXX 3.Hunter warfield inc, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by Equifax and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within XXXX  days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit card or prepaid card

I was shopping at Macy 's on Sunday XX/XX/XXXX in XXXX XXXX Colorado. I wanted to use my Macy 's card. The clerk, whose name I remember is XXXX, told me my current card was expired and I had to apply to renew my card. 
I was a bit confused but agreed, he did not tell me this was a brand new credit card with American Express. I was not informed of anything. This is total fraud. 
I only knew when I looked at my receipts later where it said I had a new Macy 's American Express card and it was separate from my current card. 
I went to the service desk where people return items and someone said sorry and I believe she also lied to me, saying that in order to use my existing card again they would have to do a soft credit check anyway so no big deal and she would talk to XXXX. 
I feel violated by this action.
Product: Credit reporting or other personal consumer reports

I'm a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information 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 XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX account Number XXXX, XXXX XXXX XXXX  account Number 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 an account without my written instructions
Product: Debt collection

I have several accounts listed on my credit report that are not mine. I have contacted all 3 credit berueas and ask them to provide physical proof of the debt owed and none of them adhered to my request. I also contacted the direct companies alleging I owed the balance and they also could not verify that I was the person insued to this debt. Many have even admitted it was a mistake. I need help to remove the following items off of my credit report.

XXXX : ( XXXX  ) -XXXX  XXXX XXXX.XXXX XXXX XXXX XXXX XXXX , Amount owed - {$150.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX   Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX  Amount Owed - {$760.00} Acct # XXXX  XXXX : ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl Amount Owed. - {$600.00} ACC # XXXX  ( XXXX ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - Amount Owed - {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il Amount Owed - {$440.00} ACC # XXXX  Transunion : XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX  , XXXX Amount Owed XXXX ACC # XXXX  ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX  XXXX Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Amount Owed - {$760.00} Acct # XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Acct # XXXX  Amt. Owe {$190.00} ( XXXX  ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Balance : {$190.00} Acct.

( XXXX ) -XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX Amt. {$1300.00} ( XXXX ) XXXX XXXX XXXX  ACCT. # XXXX Amt. {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL Amt. Owed - {$1700.00} Acct. # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MN XXXX Amt. {$1000.00} Acct. # XXXX
Product: Mortgage

On the closing disclosure at the bottom of page 5 it stated you do not have to accept this loan because you have signed or received this form. I notified Waterstone Mortgage the day after signing that I did not want the loan. In spite of this the loan was processed in a regular fashion as if I had never informed them of the fact that I wanted to cancel. An attempt to cancel this has dragged on since signing on XXXX XXXX XXXX I signed 8 to 10 documents prior to the closing disclosure even though it was stated the closing disclosure was the first document to be signed. I have retained all the emails that were sent to the company since XX/XX/ and could forward any of these if requested.
Product: Checking or savings account

Im filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Fund Transfer Act ( ETFA ) as it requires timely access funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating. This matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke with XXXX, an Experian XXXX, regarding my FCRA XXXX Identity Theft Fraud Block request, which included all necessary supporting documentation. Despite my compliance with legal requirements, Experian improperly closed my dispute without conducting any investigation, violating FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information. XXXX, referencing XXXX # XXXX, informed me that I must contact the creditors to verify the disputed information, effectively shifting the investigation responsibility to me. This mirrors recent allegations by the CFPB against Experian for failing to conduct proper investigations and removing or reinserting errors on credit reports, which threaten consumers ' access to credit, employment, and housing. I am providing the documentation for the fraudulent items on my credit report, including a reinstated Capital XXXX account ( Account # XXXX ) and XXXX XXXX XXXX Account # ( XXXX ), and request that the CFPB investigate Experian 's failure to uphold its legal obligations. Attached are my previous dispute requests and proof of Experian 's failure to investigate, and I request that these items be blocked and removed within XXXX days of receipt. Previous CFPB Complaint # 's XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XX/XX/XXXX. 

TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 
3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document.

A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

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

I have sent a dispute along with a copy of my credit report and ID Theft Report to the credit reporting agency. They are in violation of 605B of the FCRA as they have not blocked the items from my report that are not mine in a timely manner.
Product: Credit card or prepaid card

I purchased an item from XXXX for a total of {$8.00} in XX/XX/XXXX. I made sure to set up auto pay at that time. My automatic payment was removed without my knowledge and authorization. 
I did not receive a notification that my payment was late until XX/XX/XXXX and I was charged numerous late fees and interest fees for a total of {$86.00} before I was even notified. 

I called XXXX on XX/XX/XXXX to resolve this issue and was told that if I paid {$36.00}, they would waive the rest of the late fees and interest. I agreed and authorized a payment of {$36.00} on XX/XX/XXXX to clear my balance. 

I received an email on XX/XX/XXXX that I had a payment of {$35.00} due on XX/XX/XXXX. My account shows they have not waived the late fees and actually charged me another late fee of {$40.00} and I now owe a total of {$85.00}. 

My XXXX XXXX has also been severely impacted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian disputing 8 accounts as erroneous on my credit report XXXX XX/XX/2021 ) and mailed the letter certified, return receipt requested. I received notice in the mail that the letter was received on XXXX XX/XX/2021 ). By XXXX XX/XX/2021 ) I did not receive any results from any investigation. On XX/XX/2021, I mailed out another letter certified, return receipt requested, Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per deleted item that letter was received by Experian on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

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



XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} U S DEPT OF EDXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On Wednesday XX/XX/XXXX I opened a " Truist Bright Checking '' account with Truist Bank, via their website. I funded the account with an initial deposit of {$1000.00} via an ACH transfer from my XXXX account. 

On Thursday XX/XX/XXXX, the withdrawal cleared my CapitalOne account, and was notated as : " Withdrawal from SUNTRUST BANK XXXX XXXX ''. On that same day, I attempted to login to truist.com to check my balance and begin managing my account. The credential I initially created did not allow me to login, I received a " security verification unavailable '' error. I called Truist for assistance and my account was eventually corrected so I was able to login. 

On Friday XX/XX/XXXX I attempted to login again ; after accepting my credentials I was immediately returned to the login page. 

On Monday XX/XX/XXXX I again called Truist support for assistance. After some time, the agent let me know I would need to visit my local BB & T branch for assistance. I asked why Truist support could not again assist me with my Truist account. The agent explained that was the only course of action. 

I explained I had opened my account with Truist, not BB & T, though the funding withdrawal came from SunTrust, and that I was not pleased with having to travel some distance to a BB & T branch for assistance since I never intended to hold a BB & T account and there is a SunTrust branch within walking distance of my home. I requested that the account be closed and a Cashier 's Check be mailed to me, or the money be returned via wire or ACH, since that was how it was debited. 

The agent put me on hold and indicated that the only way for me to recover my funds is to travel to BB & T ( again, a bank I did not open an account with ) and work with the people at the branch to XXXX and close the account. 

I called back later to request my account number in order to file this complaint, and Truist refused to provide it, indicating I could retrieve it online ( an impossibility ).
Product: Debt collection

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPNY USING MY INFO PURSUANT TO 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Velocity Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Listed Amount Due : {$10000.00} I contacted the collection agency asking them to verify the debt and not to report this on my credit and they did so anyway. They received my information illegally and called me multiple times during work. They have not responded to my email letter in over 20 days. Under the fair credit reporting act, this should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX TransUnion, XXXX, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Product: Debt collection

I've disputed this alleged account ( XXXX ) this year and previous years via multiple collection agencies and it was proven the alleged debt ( XXXX ) wasnt mine. When this took place the item was removed from my credit reports. This debt was purchased from a portfolio of debt and im tired of being taking advantage of. I've seeked counsel to help resolve the issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below the following inquiries were pulled without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK, XXXX, XXXX XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit card or prepaid card

I made a purchase of {$190.00} at XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX. 

Payment was made by check in that amount by mail. The payment due date was XX/XX/XXXX. My check was processed XX/XX/XXXX. A finance charge of {$27.00} and a late interest charge of {$4.00} was assessed for a total of {$31.00}.

Payment of {$190.00} was inadvertently made again by my husband and processed on XX/XX/XXXX.

I called XXXX XXXX XXXX several times to have the charges of {$31.00} waived, and for refund of my overpayment.

A check for {$140.00} was dated XX/XX/XXXX and received by mail by me 6 weeks after the initial payments.
Product: Debt collection

Lvnv finding has a collection account on my credit report that is definitely not mine and.ive disputed this account several times with my credit bureau and they e told me to file this report if the results of the credit account are the same after being disputed. Also I have no proof that this account isn't mine because I can not have proof of it not being mine if I never opened the account to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS 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 accounts 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 XXXXXXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$690.00}
Product: Money transfer, virtual currency, or money service

Coinbase allowed to transfer my money using digital wallet to https XXXX XXXX XXXX  and it is crypto scam. Coinbase knew that the digital wallet was suspicious and belonged to crypto scammer.
Product: Payday loan, title loan, or personal loan

I received this offer from Personify Financial in the mail. I responded to the offer because it said you can get a response within 24 hours and I applied. I went online to their site. I submitted my application provided my bank account number, routing number, my employer name, pay frequency, home address and my social security number. I was given several options of loan amounts to choose from along with the term length I chose {$3400.00} with a term of 36 months. When it came time for me to get the approval it took me to a page that wanted me to log into my bank account through their website. However, an error message appeared and there was no link for me to login to my bank on that page. I proceeded to open up a dialogue chat box which was unsuccessful. I was able to ask for a customer service number. I contacted the customer service and spoke with the gentleman who told me to take a screen print of the page that showed the error message and email it to them. I received an immediate alert on my XXXX XXXX credit bureau that there was an immediate hit to the inquiry on my credit. I explained to the customer service representative that the advertising says I should have an answer within 24 hours. I explained that there was no link for me to log into my bank account and secondly that my credit has already been adversely affected. This gentleman said after I send the email someone should get back in touch with me within a 24-hour period. I felt at that moment I've been scammed. The brochure I received was a method to get personal and sensitive information from consumers and the error message is there to prevent any offers of credit and that company had the data that they needed up to that point. 

Now I have to go and change my bank account information but this company already has my address, social security number and my credit score has been adversely impacted under false and fraudulent pretenses. 

Please look into this matter so that future consumer 's will not experience what I experienced today with this Personify Financial. 

Needless to say their interest APR rates were ridiculously high.