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

On XX/XX/2021 I Submitted a dispute with Experian disputing an erroneous, inaccurate and/or incomplete address which is XXXX XXXX XXXX XXXX XXXX, NM XXXX of which they responded by saying that I need to contact every CREDITOR and/or SOURCE my question is why if I am the consumer not an employee of Experian. Experian is reporting this non fcra compliance address they need to investigate and if they can not verify that this address belongs to me it must be deleted immediately. provide method of verification or delete section 611 of the fcra please provide with name and phone numbers, employee numbers that provide verification of this wrongful address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian and XXXX serval times, online and via phone many times about the inquires, accounts, addresses, and phone numbers that I was not familiar with. Every time I get the same results and I am overcome with stress about the situation. It seems if I have been begging for credit and I have not. I trying to get approved for a loan and it makes it very difficult when they go to check my credit and I have inquiries from places I didn't inquire credit from. I have disputed and reached out to the bureaus several times and they tell me the same thing, every time. The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX The following accounts I'm not familiar with are XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The following address are incorrect : XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX, XXXX XXXX XXXX , XXXX XXXX, Mo XXXX The following numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Paypal has been holding my payment since XXXX. No reason given for the hold. They still owe me {$180.00}. I have trouble paying my bills because of this. hey have been keeping my money for weeks to get the " float '' on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1600.00} ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This car was fradulently obtained. XX/XX/XXXX until XX/XX/XXXX I was XXXX  in a XXXX XXXX XXXX. I have filed an FTC Report and a Police Report in regards to this matter. I have requested several times from this creditor to investigate this identity theft and they have refused. I did not purchase this car, my information was fraudulently used to obtain this auto loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has a closed account that's not mine on my credit file for the amount of {$860.00} this is not my account I have no knowledge of this account I have filed a police report an sent in information to these Credit Bureau it was opened fraudulent
Product: Debt collection

Dear CFPB/ MADAM/SIR : I received letter dated, XX/XX/XXXX, From debt collection bureau. they are asking for me to pay them {$57.00} From : XXXX Hospital, date of service was : XX/XX/XXXX. I was at that time 3 days in the hospital for sickness matters. The Total Amount of the Bill was PAID bye my insurance, MEDICARE pay XXXX hospital over $! .000.00 PLUS. Hospital was already PAID in full, and I DO NOW OWE ANYTHING to either or none of them. Thank you. Very Truly Yours. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair and credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. and according to 15 USC 1681 S-2 they are suppose to 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: Checking or savings account

I was supposed to receive a direct deposit from my work on XX/XX/year>. Capital one system was allegedly down and they were fixing it. I still do not have my deposit, every time I call it's the same thing we are working on it. They are playing a deadly game with people 's lifes and something has to change. I need my money to pay bills.
Product: Debt collection

TO WH

OM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

On XXXX I closed my US Bank checking account and cancelled their credit card due to Platinum checking account false advertising and deceptive business practices.

I left the saving account open but did not receive a statement for 6 months so I closed the savings account as well. I received the attached letter from US Bank on XXXX stating that I had been de-enrolled in the US Bank electronic 1099 distribution program. I NEVER ENROLLED in the scandalous US Bank electronic 1099 distribution program. US Bank did NOT have authorization to enroll me in anything electronic. This is exactly why I closed all US Bank accounts and terminated the US Bank credit card. US Bank employs deceptive business practices like unauthorized 1099 distribution enrollment and forced electronic statements. I do not and will never bank electronically. When I questioned the fraudulent Platinum checking account paper statement waiver US Bank said they would investigate the bogus charges but never did and continued with their fraudulent fees. US Bank is an extremely dishonest organization. US Bank does whatever they want with accounts regardless of the law. The attached letter is just another example of dishonest, deceptive business practices of US Bank
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account Name : XXXX  XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card or prepaid card

I have had the XXXX Rewards card for a couple of years now. I constantly use this card and I have never had a late payment. I have tried to increase my limit of {$250.00} for some time now but they refuse. I have been very good to them and it is the least they can do. Card ends in XXXX
Product: Debt collection

The company appears to have purchased fraudulent/ identity theft debt from Aargon Agency and is now representing it as occurring in XXXX of XXXX 

This has already been reported to the police and appears to have been resold rather than resolved by Aargon Agency.
Product: Debt collection

In XXXX 2017 I sent a letter that stated after reviewing my credit report I notice incorrected information that I was unaware of, I asked that AR Resources Inc. send me the name of the hospital/medical provider and a detailed breakdown of the fees I owe as well as a copy of my signature with the provider of service to release my medical information to AR Resource Inc I received a response from AR Resources inc with a detailed bill but nothing with my signature from the provider of service to release medial information also nothing with my signature that this bill belongs to me, withholding this information is a violation of the FDCPA as AR Resources is still reporting this bill from the collection agency ( AR Resources Inc ) Thank you below is the letter that I sent to AR Resources Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. and all that I received back was a itemized bill
Product: Checking or savings account

Had accounts and they closed my accounts without permission and can't find my accounts and the money I had in my CDs they basically stoled my money and no closer or know where my accounts went to
Product: Credit reporting or other personal consumer reports

A recent loan application for One Main Financial was put through on my credit but there was error on their end and i contacted them and was told they would cancel the loan therefore under the fair credit act this should be removed from my credit report as a hard inquiry
Product: Checking or savings account

Attempted to open a brand new checking account and savings account with Citizens Financial Group to take advantage of a new customer offer. Within 3 hours, same day, and after a soft credit check my accounts were closed and I was locked out. Spent close to an hour trying to call into the customer service line for a resolution or explanation, and to confirm there was no concern with fraud as i had provided my other banks 9 digit ABA as well as account number. Associates were downright rude, and did not offer any sort of explanation or resolution. Additionally, the " supervisor '' could not even verify whether or not the accounts were closed on their side or through my brand new user ID which was extremely concerning since I was originally calling in just to confirm whether or not there was a concern or any fraudulent activity. 

I've never had any overdrafts, my credit score is outstanding, and I believe they are bias due to the fact that I work in the industry. Terrible new customer experience and no form of resolution offered or even suggested. Only response I got was " You will receive a letter in the mail ''. Requested my credit report, everything is accurate and there are no demeaning marks or reasons to dispute info. This is simply unfair and deceptive business practices, and unjust disqualification.
Product: Credit card or prepaid card

On XXXX, 2019 i used my NetSpend prepaid debit card to purchase a cell phone from XXXX wireless in the amount of {$53.00} that was taken out of my NetSpend account the same day but the following day the order was cancelled due to the fact that the cell phone was not in stock. I contacted XXXX and advised them that I have not received any refund and was advised by a supervisor at XXXX to file a dispute with my bank or card co. I then called NetSpend and filled a dispute. On XXXX XXXX, 2019 I was informed by sprint byway of email that the refund was approved and was sent back to NetSpend. On XXXX XXXX, 2019. Today is XXXX XXXX, 2019 and the money is not credited back to my account nor made available for me yet. The Policy at NetSpend for refunds is that any money refunded would Post to the account and made available within 3 to 5 days after receiving the refund. NetSpend has advised me that the money will not be available to me until XXXX XXXX 2019 completely against the policy and procedure written by NetSpend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX. Please correct and update.
Product: Checking or savings account

I had Bank Fraud and ID Theft and Some One hacked in to my checking account and put in Fake Checks and Global Credit Union Cleared them and they ( Scammers ) got the money at the casinos and now im negative XXXX and the scammers got away with almost $ XXXX I need Help I have filed ID Theft Insurance Claim but I shouldn't be responsible for theft!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

I submitted an application for a Wells Fargo checking account online and entered all of my information accurately. My application reference number is XXXX. Wells Fargo never followed up and refused to open an account as requested due to unknown reasons.
Product: Debt collection

On XXXX/XXXX/2016 I mailed a hardship/cease and desist request to Macy 's. However Macy 's continues to call my cell phone and home phone repeatedly at all hours of the day. I am elderly with severe health issues ; these calls have resulted in increased XXXX for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported an account was paid, Transunion failed to properly investigate this account was paid in full
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/2024 I filed CFPB complaint XXXX against Equifax. The claim outlined the irregularities in the information reported for a XXXX XXXX and requested relief. The relief requested was specific : a ) placement of a XXXXword statement in my credit file for the account/tradeline ; b ) deletion of data that was false/misleading/inaccurate for the account/tradeline ; c ) block of XXXX from inserting new and/or further information for the account/tradeline. The instructions stated that the XXXX-word statement " may be removed IF AND ONLY IF [ the enumerated actions ] ha [ d ] been executed. '' The instructions for the XXXX-word statement where provided both in the body of the CFPB complaint and in the more-comprehensive documentation attached to XXXX. On XXXX XX/XX/2024 Equifax responded alleging they'd conducted an investigation and provided " relief. '' They alleged that " review [ of ] the complaint, relevant documents, and complet [ ion ] [ of ] an investigation where applicable, '' constituted non-monetary relief. I requested relief that included placement of a XXXX-word statement on my credit file which was to remain until/unless all the information I alleged was false/misleading/inaccurate for the account/tradeline was removed and XXXX was blocked from reinserting such information. In their response Equifax plainly stated " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. " Equifax has not placed the XXXX-word statement in my credit file and continues to persist the information it, and XXXX, know or have reasonable cause to believe is false/misleading/incorrect/inaccurate/incomplete. Equifax 's own response states they reviewed the documentation I provided, which means the were aware I'd requested the XXXX-word statement to be placed in my files. Yet, they refused to do such. That is a clear violation of Section 611 ( b ) of the FCRA.
Product: Credit reporting or other personal consumer reports

This complaint is not a mistake and requires urgent attention. My credit report contains mixed information, and I have repeatedly come across accounts, transactions, and items that are not mine. This ongoing issue is extremely concerning and has been causing me significant stress and XXXX.
Product: Credit card

I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A Section A Section 2, it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, deposit of XXXX $ was made to my buisnies checking acount in Capital one Bank from XXXX XXXX XXXX but until today i did not received the money and i can't see my account in my mobile app, like it not exist, i need that money immediately and i can't get to my money because of their system I'm calling them and they are saying the have a system problem evwn now i can't rwach to them I need my money asap. 
I can't access, see, or withdraw my money. 
Please fix this issue i have family to feed.